114 Shady St, Flora, IL 62839 Property Records

Clay County property record for 114 Shady St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 676 sqft · built 1925
Lot Size	0.137 acres (6,001 sqft)
Owner	Individual Name on File
Last Sale	$32,500 (Feb 2019)
Tax Bill	$750 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-236-018`

Property Details

APN / Parcel Number

Primary APN	`10-25-236-018`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	676 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,001 sqft (0.137 acres)
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	48 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	114 SHADY ST
City	FLORA
State	IL
Zip	62839-2614
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	S C JAMES ADDN LOT 18
Legal Subdivision	SAMUEL C JAMES ADDITION
Legal Lot Number	18
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3089
Census Tract	972100

Owner

114 Shady St, a residential property, is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	114 SHADY ST, FLORA, IL 62839-2614
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2019 · Amount on File
Deed Sale	Feb 7, 2019 · Amount on File
Prior Sale	Jul 12, 2012 · Amount on File
Deed Document Number	20196021
Record Updated	Oct 29, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 7, 2019
Property Address	114 SHADY ST, FLORA, IL 62839-2614
Document Number	000D196021
Instrument Date	Feb 7, 2019
Instrument	D196021
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.75
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 SHADY ST, FLORA, IL 62839-2614

Mortgage

Document Number	000D196022
Date	Feb 7, 2019
Instrument	D196022

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 114 Shady St was $750 with a homeowner's exemption, up 12.8% 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	$750.00 (+12.78%) Homeowner's exemption	$15,797 Land $2,375 Building $13,422	$47,391 Land $7,125 Building $40,266
2024	$665.00
2022	$560.00 (+11.33%) Homeowner's exemption	$11,886 Land $1,716 Building $10,170	$35,658 Land $5,148 Building $30,510
2021	$503.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 114 Shady St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · 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 114 Shady 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 99.1% of the US · lower than 94% 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 274 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
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, Nextlink, T-Mobile.

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