Clay County property record for 115 Thomas St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,540 sqft · built 1945 |
| Lot Size | 0.314 acres (13,676 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Feb 2021) |
| Tax Bill | $2,472 (2024) |
| Deeds & Mortgages | Feb 2021 Sale & Mortgage Nov 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-414-005 |
| Primary APN | 10-26-414-005 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,540 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 13,676 sqft (0.314 acres) |
| Garage Area | 500 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 336 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 672 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 115 THOMAS ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1286 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | THOMAS SUB-DIVN BLOCK A LOTS 4 & 5 |
| Legal Subdivision | THOMAS SUB |
| Legal Block | A |
| Legal Lot Number | 4-5 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 972100 |
Source: Clay County records · APN 10-26-414-005
Assessment roll updated September 5, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 THOMAS ST, FLORA, IL 62839-1286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2021 | Warranty Deed, Transfer · USDA Mortgage USDA |
| Nov 03, 2017 | Deed, Transfer · Conventional Mortgage CLAY COUNTY STATE BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on Record |
| Deed Sale | Feb 25, 2021 · Amount on Record |
| Prior Sale | Nov 03, 2017 · Amount on Record |
| Deed Document Number | 2021201156 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Feb 25, 2021 |
| Property Address | 115 THOMAS ST, FLORA, IL 62839-1286 |
| Document Number | 0000201156 |
| Instrument Date | Feb 25, 2021 |
| Instrument | 201156 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $142.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 115 THOMAS ST, FLORA, IL 62839-1286 |
| Document Number | 0000201157 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 201157 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Nov 03, 2017 |
| Property Address | 115 THOMAS ST, FLORA, IL 62839-1286 |
| Document Number | 000D192877 |
| Instrument Date | Nov 02, 2017 |
| Instrument | D192877 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 41, LOUISVILLE, IL 62858-0041 |
| Document Number | 000D192878 |
|---|---|
| Date | Nov 03, 2017 |
| Instrument | D192878 |
| Name | CLAY COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | May 02, 2018 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $40,549 (+11.45%) Land $4,751 Building $35,798 | $121,647 (+11.45%) Land $14,253 Building $107,394 | |
| 2024 | $2,472.00 (+4.97%) Homeowner's exemption | $36,383 (+18.38%) Land $4,263 Building $32,120 | $109,149 (+18.38%) Land $12,789 Building $96,360 |
| 2022 | $2,355.00 (+23.62%) Homeowner's exemption | $30,733 Land $3,608 Building $27,125 | $92,199 Land $10,824 Building $81,375 |
| 2021 | $1,905.00 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Wabash Telephone Cooperative Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Delta Communications, T-Mobile USA.
Based on FCC filings for 149 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FLORA serves 5,233 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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