1620 N State Rd, Flora, IL 62839 Property Records

Clay County property record for 1620 N State Rd, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 812 sqft · built 1941
Lot Size	0.721 acres (31,428 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,000 (Sep 2021)
Tax Bill	$1,546 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-301-012`

Property Details

APN / Parcel Number

Primary APN	`10-24-301-012`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	812 sqft Living Area
Attic	Attic
Attic Area	780 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

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	31,428 sqft (0.721 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1620 N STATE RD
City	FLORA
State	IL
Zip	62839-3201
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ASSESSORS RIGGLE SUB-DIV LOT 12
Legal Subdivision	ASSESSORS RIGGLE SUB
Legal Lot Number	12
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3002
Census Tract	972100

Owner

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	1620 N STATE RD, FLORA, IL 62839-3201
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK
Sep 14, 2021	Warranty Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE CO INC
Feb 25, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2021 · Amount on Record
Deed Sale	Sep 14, 2021 · Amount on Record
Prior Sale	Feb 25, 2019 · Amount on Record
Deed Document Number	2021202957
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1620 N STATE RD, FLORA, IL 62839-3201
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202849
Date	Aug 30, 2021
Instrument	202849

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Oct 1, 2022

Interest

Rate Type	Fixed Rate

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Sep 14, 2021
Property Address	1620 N STATE RD, FLORA, IL 62839-3201
Document Number	0000202957
Map Reference	PB F PG 122
Instrument Date	Sep 7, 2021
Instrument	202957
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$93.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1620 N STATE RD, FLORA, IL 62839-3201

Mortgage

Document Number	0000202958
Date	Sep 14, 2021
Instrument	202958

Lender

Name	RUOFF MORTGAGE CO INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.38%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 25, 2019
Property Address	1620 N STATE RD, FLORA, IL 62839-3201
Document Number	000D196136
Map Reference	PB F PG 122
Instrument Date	Feb 25, 2019
Instrument	D196136
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$67.50
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	1620 N STATE RD, FLORA, IL 62839-3201

Tax Assessment & Valuation

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	$1,546.00 (+8.57%) Homeowner's exemption	$26,196 (+31.98%) Land $2,903 Building $23,293	$78,588 (+31.98%) Land $8,709 Building $69,879
2024	$1,424.00 (+8.04%)
2022	$1,318.00 (+51.15%) Homeowner's exemption	$19,848 Land $2,198 Building $17,650	$59,544 Land $6,594 Building $52,950
2021	$872.00

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 150 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

May also be available: ClearWave.

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