221 Hickory St, Flora, IL 62839 Property Records

Clay County property record for 221 Hickory St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 918 sqft · built 1954
Lot Size	0.163 acres (7,126 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Apr 2026)
Tax Bill	$36 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-212-008`

Property Details

APN / Parcel Number

Primary APN	`10-26-212-008`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	918 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,126 sqft (0.163 acres)
Garage Area	1,104 sqft
Driveway	Concrete Driveway
Driveway Area	288 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	221 HICKORY ST
City	FLORA
State	IL
Zip	62839-1069
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	GIVEN & PHILLIPS ADDN LOT 6
Legal Subdivision	GIVEN & PHILLIPS ADD
Legal Lot Number	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1020
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	Individual Name on Record
Mailing Address	221 HICKORY ST, FLORA, IL 62839-1069
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Warranty Deed, Transfer · FHA Mortgage U S BANK N A
Apr 13, 2026	Warranty Deed, Transfer · FHA Mortgage U S BANK N A
Mar 28, 2024	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 16, 2017	Deed, Transfer · Commercial Mortgage CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	Mar 28, 2024 · Amount on Record
Deed Document Number	2026676
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 13, 2026
Property Address	221 HICKORY ST, FLORA, IL 62839-1069
Document Number	0000000676
Instrument Date	Apr 13, 2026
Instrument	2026.676
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 HICKORY ST, FLORA, IL 62839-1069

Mortgage

Document Number	0000000677,
Date	Apr 13, 2026
Instrument	2026..677

Lender

Name	U S BANK N A

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 13, 2026
Property Address	221 HICKORY ST, FLORA, IL 62839-1069
Document Number	D202600676
Instrument Date	Apr 13, 2026
Instrument	2026.676
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$18,937.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 HICKORY ST, FLORA, IL 62839-1069

Mortgage

Document Number	0000000677,
Date	Apr 13, 2026
Instrument	2026..677

Lender

Name	U S BANK N A

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 28, 2024
Property Address	221 HICKORY ST, FLORA, IL 62839-1069
Document Number	0000209175
Instrument Date	Mar 28, 2024
Instrument	209175
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 HICKORY ST, FLORA, IL 62839-1069

Mortgage

Document Number	0000209176
Date	Mar 28, 2024
Instrument	209176

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	7.63%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Aug 16, 2017
Property Address	221 HICKORY ST, FLORA, IL 62839-1069
Document Number	D192297
Instrument Date	Aug 12, 2017
Instrument	D192297
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
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	221 HICKORY ST, FLORA, IL 62839-1069

Mortgage

Document Number	D192298
Date	Aug 16, 2017
Instrument	D192298

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 5, 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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$28,730 (+11.45%) Land $2,772 Building $25,958	$86,190 (+11.45%) Land $8,316 Building $77,874
2024	$36.00 (-97.6%)	$25,778 (+18.4%) Land $2,487 Building $23,291	$77,334 (+18.4%) Land $7,461 Building $69,873
2022	$1,502.00 (+10.12%) Homeowner's exemption	$21,772 Land $2,103 Building $19,669	$65,316 Land $6,309 Building $59,007
2021	$1,364.00

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	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 98% of the US · lower than 86% 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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