1689 N State Rd, Flora, IL 62839 Property Records

Clay County property record for 1689 N State Rd, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	0.433 acres (18,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$8,500 (Jul 2018)
Tax Bill	$2,855 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-405-012`

Property Details

APN / Parcel Number

Primary APN	`10-23-405-012`

Exterior

Lot Area	18,900 sqft (0.433 acres)

Location & Zoning

Street Address	1689 N STATE RD
City	FLORA
State	IL
Zip	62839-3200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E P KINNAMANS 2ND SUB-DIV LOT 15 & N/2 LOT 14
Legal Subdivision	E P KINNAMANS 2ND SUB-DIV
Legal Lot Number	14-15
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1000
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	1689 N STATE RD, FLORA, IL 62839-3200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO
Jul 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANKING CO
Jul 23, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2018 · Amount on Record
Deed Sale	Jul 23, 2018 · Amount on Record
Deed Document Number	2018194681
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1689 N STATE RD, FLORA, IL 62839-3200
Transaction Type	Mortgage
Record Updated	Sep 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212544
Date	Sep 5, 2025
Instrument	212544

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 25, 2030

Interest

Rate Type	Fixed Rate
Rate	8%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1689 N STATE RD, FLORA, IL 62839-3200
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202264
Date	Jul 2, 2021
Instrument	202264

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1689 N STATE RD, FLORA, IL 62839-3200
Transaction Type	Mortgage
Record Updated	Jul 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198927
Date	May 11, 2020
Instrument	198927

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 5, 2021

Interest

Rate Type	Fixed Rate

July 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jul 23, 2018
Property Address	1689 N STATE RD, FLORA, IL 62839-3200
Document Number	000D194681
Map Reference	PR D PG 62
Instrument Date	Jul 23, 2018
Instrument	D194681
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12.75
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	501 AUSTIN AVE, FLORA, IL 62839-2728

Mortgage

Document Number	000D194682
Date	Jul 23, 2018
Instrument	D194682

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	48 Months
Due	Jul 23, 2022

Interest

Rate Type	Fixed Rate

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	$2,855.00 (+10.4%) Homeowner's exemption	$71,108 (+35.33%) Land $2,243 Building $68,865	$213,324 (+35.33%) Land $6,729 Building $206,595
2024	$2,586.00 (+12.29%)
2022	$2,303.00 (+1,456.08%) Homeowner's exemption	$52,546 Land $1,710 Building $50,836	$157,638 Land $5,130 Building $152,508
2021	$148.00

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

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	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.

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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