1589 N State Rd, Flora, IL 62839 Property Records

Clay County property record for 1589 N State Rd, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,470 sqft · built 1974
Lot Size	0.658 acres (28,700 sqft)
Owner	Individual Name on File
Last Sale	$87,500 (Apr 2020)
Tax Bill	$2,442 (2024)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-23-405-003`

Property Details

APN / Parcel Number

Primary APN	`10-23-405-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,470 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	28,700 sqft (0.658 acres)
Garage Area	554 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1589 N STATE RD
City	FLORA
State	IL
Zip	62839-3234
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	E P KINNAMANS 2ND SUB-DIV LOTS 9 & 10 PLUS 25' VACATED STREET N OF LOT 10
Legal Subdivision	E P KINNAMANS 2ND SUB-DIV
Legal Lot Number	9-10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1000
Census Tract	972100

Owner

Source: Clay County records · APN 10-23-405-003

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	1589 N STATE RD, FLORA, IL 62839-3234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 27, 2020 · Amount on Record
Deed Sale	Apr 27, 2020 · Amount on Record
Deed Document Number	2020198829
Record Updated	Sep 20, 2026

April 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Apr 27, 2020
Property Address	1589 N STATE RD, FLORA, IL 62839-3234
Document Number	0000198829
Map Reference	DOC 112 164
Instrument Date	Apr 09, 2020
Instrument	198829
Transaction Type	Transfer
Record Updated	Jun 01, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$131.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1589 N STATE RD, FLORA, IL 62839-3234

Mortgage

Document Number	0000198830
Date	Apr 27, 2020
Instrument	198830

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2025

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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

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		$40,143 (+32.28%) Land $4,224 Building $35,919	$120,429 (+32.28%) Land $12,672 Building $107,757
2024	$2,442.00 (+5.35%)
2022	$2,318.00 (+9.81%) Homeowner's exemption	$30,346 Land $3,129 Building $27,217	$91,038 Land $9,387 Building $81,651
2021	$2,111.00

Flood & Wildfire

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

Flood

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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.

Internet Providers

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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Delta Communications.

Based on FCC filings for 150 locations within half a mile of this property.

Drinking Water

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

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 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.