Clay County property record for 122 N Mill St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,277 sqft · built 1920 |
| Lot Size | 0.139 acres (6,081 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $686 (2025) |
| Deeds & Mortgages | Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-312-001 |
| Primary APN | 10-25-312-001 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,277 sqft Living Area |
| Attic | Attic |
| Attic Area | 1,277 sqft |
| Basement Area | 780 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 6,081 sqft (0.139 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Driveway | Concrete Driveway |
| Driveway Area | 323 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 302 sqft |
| Heating System | Central |
|---|
| Street Address | 122 N MILL ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2025 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | N A EDDY'S ADDN W 101' LOT 40 |
| Legal Subdivision | N A EDDYS ADD |
| Legal Lot Number | 40 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 3 |
| Census Block | 3069 |
| Census Tract | 972100 |
Source: Clay County records, as of October 15, 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 Record |
|---|---|
| Mailing Address | 122 N MILL ST, FLORA, IL 62839-2025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 122 N MILL ST, FLORA, IL 62839-2025 |
| Transaction Type | Mortgage |
| Record Updated | Oct 3, 2018 |
| Name | Verified Name |
|---|
| Document Number | D195084 |
|---|---|
| Date | Sep 20, 2018 |
| Instrument | D195084 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2033 |
| Rate Type | Fixed Rate |
|---|
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 | $686.00 (-5.9%) Homeowner's exemption Senior Citizen's exemption | $27,930 (+31.93%) Land $3,563 Building $24,367 | $83,790 (+31.93%) Land $10,689 Building $73,101 |
| 2024 | $729.00 (-14.54%) | ||
| 2022 | $853.00 (+7.43%) Homeowner's exemption Senior Citizen's exemption | $21,171 Land $2,708 Building $18,463 | $63,513 Land $8,124 Building $55,389 |
| 2021 | $794.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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