Clay County property record for 16 Camelia Rd, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 2 ba · 1,464 sqft · built 1941 |
| Lot Size | 1.02 acres (44,668 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $130,000 (Aug 2020) |
| Tax Bill | $4,127 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Jan 2018 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-302-008 |
| Primary APN | 10-26-302-008 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,464 sqft Living Area |
| Basement Area | 904 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 44,668 sqft (1.02 acres) |
| Garage Area | 936 sqft |
| Driveway | Asphalt Driveway |
| Driveway Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 720 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 63 sqft |
| Deck Area | 96 sqft |
| Patio Area | 360 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 16 CAMELIA RD |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-3311 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | REAUGH & ADAMS SUB-DIV LOT 14 |
| Legal Subdivision | REAUGH & ADAMS SUB-DIV |
| Legal Lot Number | 14 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1058 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LIBERTY FEDERAL CREDIT UNION |
| Jan 11, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CAPITAL BANK MORTGAGE |
| Aug 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage EVANSVILLE TEACHERS FCU |
| Aug 11, 2020 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Nov 22, 2017 | Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 11, 2020 · Amount on Record |
| Deed Sale | Aug 11, 2020 · Amount on Record |
| Deed Document Number | 2020199609 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | May 18, 2026 |
| Property Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Document Number | 0000000959 |
| Instrument Date | Mar 14, 2026 |
| Instrument | 2026959 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Investor | Possibly a Property Investor |
| Document Number | 0000000959, |
|---|---|
| Date | May 18, 2026 |
| Instrument | 2026959 |
| Name | LIBERTY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7.75% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000D193319 |
|---|---|
| Date | Jan 11, 2018 |
| Instrument | D193319 |
| Name | FLORIDA CAPITAL BANK MORTGAGE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Mar 31, 2018 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000205553 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 205553 |
| Name | EVANSVILLE TEACHERS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 15, 2037 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Aug 11, 2020 |
| Property Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Document Number | 0000199609 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 199609 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1151 JUNIPER DR, FLORA, IL 62839-3392 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Document Number | 0000199610 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 199610 |
| Name | US BANK NA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Nov 22, 2017 |
| Property Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Document Number | 000D193000 |
| Instrument Date | Nov 15, 2017 |
| Instrument | D193000 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 CAMELIA RD, FLORA, IL 62839-3311 |
| Document Number | 000D193001 |
|---|---|
| Date | Nov 22, 2017 |
| Instrument | D193001 |
| Name | FLORA BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 20, 2018 |
| 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 | $4,127.00 (+6.2%) Homeowner's exemption | $59,912 (+11.45%) Land $3,563 Building $56,349 | $179,736 (+11.45%) Land $10,689 Building $169,047 |
| 2024 | $3,886.00 (+3.57%) | $53,757 (+18.4%) Land $3,197 Building $50,560 | $161,271 (+18.4%) Land $9,591 Building $151,680 |
| 2022 | $3,752.00 (+9.61%) Homeowner's exemption | $45,404 Land $2,708 Building $42,696 | $136,212 Land $8,124 Building $128,088 |
| 2021 | $3,423.00 |
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.
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 | 1 (2020) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Aug 2020 · 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 | Low lower than 95% of the US · lower than 70% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 66 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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