1114 Rider St, Flora, IL 62839 Property Records

Clay County property record for 1114 Rider St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,158 sqft · built 1947
Lot Size	0.164 acres (7,172 sqft)
Owner	2 Individual Names on File
Last Sale	$33,000 (Oct 2011)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-214-029`

Property Details

APN / Parcel Number

Primary APN	`10-26-214-029`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,158 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,172 sqft (0.164 acres)
Garage Area	326 sqft
Driveway	Driveway
Driveway Area	720 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1114 RIDER ST
City	FLORA
State	IL
Zip	62839-1089
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	RIDER'S ADDN BLOCK 1 LOT 38
Legal Subdivision	RIDERS ADD
Legal Block	1
Legal Lot Number	38
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1021
Census Tract	972100

Owner

1114 Rider St, a residential property, is owned and occupied by two individuals who bought it in October 2011.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1114 RIDER ST, FLORA, IL 62839-1089
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK
Nov 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK
May 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2011 · Amount on File
Deed Sale	Oct 13, 2011 · Amount on File
Prior Sale	Aug 12, 2008 · Amount on File
Deed Document Number	2011174926
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Oct 27, 2022
Property Address	1114 RIDER ST, FLORA, IL 62839-1089
Document Number	0000205962
Instrument Date	Oct 24, 2022
Instrument	205962
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1114 RIDER ST, FLORA, IL 62839-1089

Mortgage

Document Number	0000205963
Date	Oct 27, 2022
Instrument	205963

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Fixed Rate
Rate	6.25%

Mortgage

Document Number	0000205964
Date	Oct 27, 2022
Instrument	205964

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY
Type	Government Agency

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 1, 2027

Interest

Rate Type	Fixed Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1114 RIDER ST, FLORA, IL 62839-1089
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D197854
Date	Nov 21, 2019
Instrument	D197854

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	168 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1114 RIDER ST, FLORA, IL 62839-1089
Transaction Type	Mortgage
Record Updated	Jun 11, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D196675
Date	May 23, 2019
Instrument	D196675

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1114 Rider St was $2,178 with a homeowner's exemption, up 7.4% from the year before.

Source: Clay County assessment roll, as of October 15, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Clay County
County Subdivision	Harter Township
Municipality	Flora City
Unified School District	Flora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,178.00 (+7.45%) Homeowner's exemption	$34,459 Land $2,772 Building $31,687	$103,377 Land $8,316 Building $95,061
2024	$2,027.00
2022	$1,060.00 (+10.42%) Homeowner's exemption	$17,133 Land $2,091 Building $15,042	$51,399 Land $6,273 Building $45,126
2021	$960.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1114 Rider St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective January 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1114 Rider St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FLORA serves 5,233 people · EPA ID IL0250100
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Wabash Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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