Clay County property record for 114 W 2nd St, Flora, IL 62839
| Property Type | Commercial Vacant Land |
|---|---|
| Lot Size | 0.166 acres (7,247 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $210 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit Oct 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-304-012 |
| Primary APN | 10-25-304-012 |
|---|
| Lot Area | 7,247 sqft (0.166 acres) |
|---|
| Street Address | 114 W 2ND ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1605 |
| Property Category | Commercial |
| Property Type | Vacant Land > Commercial |
| Legal Description | ORIGINAL TOWN BLOCK 12 E/2 LOT 9 |
| Legal Subdivision | FLORA |
| Legal Block | 12 |
| Legal Lot Number | 9 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 3 |
| Census Block | 3080 |
| Census Tract | 972100 |
114 W 2nd St, commercial vacant land, is owned by an individual.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 1/2 W 2ND ST, 3, FLORA, IL 62839-1604 |
| 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.
| Date | Document |
|---|---|
| Sep 18, 2026 | Deed of Trust, Mortgage · Line of Credit COMMUNITY SAVINGS BANK |
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Sep 18, 2026 |
| Property Address | 114 W 2ND ST, FLORA, IL 62839-1605 |
| Document Number | 0000001673 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 20261673 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000001673, |
|---|---|
| Date | Sep 18, 2026 |
| Instrument | 20261673 |
| Name | COMMUNITY SAVINGS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2046 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 114 W 2ND ST, FLORA, IL 62839-1605 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 203074 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 203074 |
| Name | COMMUNITY PARTNER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 114 W 2nd St was $210, down 5.8% from the year before.
Source: Clay County assessment roll, as of October 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $210.00 (-5.83%) | $2,748 Land $2,748 | $8,244 Land $8,244 |
| 2024 | $223.00 | ||
| 2022 | $233.00 (+7.37%) | $2,455 Land $2,455 | $7,365 Land $7,365 |
| 2021 | $217.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 W 2nd 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.
The area around 114 W 2nd St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 440 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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