120 Oak St, Flora, IL 62839 Property Records

Clay County property record for 120 Oak St, Flora, IL 62839

Property Summary

Property Type	Apartments (5+ Units)
Details	3 ba · 2,256 sqft · built 1976
Lot Size	0.286 acres (12,498 sqft)
Owner	2 Trust Names on File
Tax Bill	$4,989 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-234-016`

Property Details

APN / Parcel Number

Primary APN	`10-25-234-016`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,256 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	12,498 sqft (0.286 acres)
Driveway	Concrete Driveway
Driveway Area	2,310 sqft

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Patio Area	256 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	120 OAK ST
City	FLORA
State	IL
Zip	62839-2541
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	L B PARSON'S ADDN 100' OFF N SIDE LOT 10
Legal Subdivision	L B PARSONS ADD
Legal Lot Number	10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3063
Census Tract	972100

Owner

120 Oak St, a residential property, is held in a trust since May 2010.

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

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 250, LOUISVILLE, IL 62858-0250
Owner Type	Company
Vesting	Trust

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
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit CLAY COUNTY STATE BANK
Jan 23, 2026	Deed, Transfer
Feb 4, 2026	Correction Deed

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 12, 2010
Transfer Doc	170688
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	120 OAK ST, FLORA, IL 62839-2541
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	D202600246
Date	Feb 4, 2026
Instrument	D202600246

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Jan 22, 2027

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jan 23, 2026
Property Address	120 OAK ST, FLORA, IL 62839-2541
Document Number	D202600150
Map Reference	PR G PG 05
Instrument Date	Dec 30, 2025
Instrument	D202600150
Transaction Type	Transfer
Record Updated	Feb 18, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 250, LOUISVILLE, IL 62858-0250
Investor	Possibly a Property Investor

February 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	CLAY IL
Recording Date	Feb 4, 2026
Property Address	120 OAK ST, FLORA, IL 62839-2541
Document Number	D202600253
Map Reference	PR G PG 5
Instrument Date	Dec 30, 2025
Instrument	D202600253
Record Updated	Feb 25, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 250, LOUISVILLE, IL 62858-0250
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 120 Oak St was $4,989, up 4.9% 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	$4,989.00 (+4.85%)	$65,173 (+11.45%) Land $4,488 Building $60,685	$195,519 (+11.45%) Land $13,464 Building $182,055
2024	$4,758.00	$58,477 Land $4,027 Building $54,450	$175,431 Land $12,081 Building $163,350
2022	$4,694.00 (+9.32%)	$49,294 Land $3,312 Building $45,982	$147,882 Land $9,936 Building $137,946
2021	$4,294.00

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

Flood

FEMA maps place 120 Oak 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

The area around 120 Oak 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.

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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