221 N Locust St, Flora, IL 62839 Property Records

Clay County property record for 221 N Locust St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1.5 ba · 1,011 sqft · built 1891
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Mar 2022)
Tax Bill	$596 (2021)
Deeds & Mortgages	Jun 2011 Mortgage Jun 2016 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-305-003`

Property Details

APN / Parcel Number

Primary APN	`10-25-305-003`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,011 sqft Living Area
Basement Area	280 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,250 sqft (0.166 acres)
Garage Area	334 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	221 N LOCUST ST
City	FLORA
State	IL
Zip	62839-2015
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ORIGINAL TOWN BLOCK 11 N/2 LOT 5 & N/2 LOT 6
Legal Subdivision	ORIGINAL TOWN OF FLORA
Legal Block	11
Legal Lot Number	5-6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3081
Census Tract	972100

Owner

221 N Locust St, a residential property, is owned and occupied by an individual who bought it in March 2022.

Source: Clay County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	221 N LOCUST ST, FLORA, IL 62839-2015
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2011	Deed of Trust, Mortgage · Commercial Mortgage FLORIA BANK & TRUST
Jun 22, 2016	Deed of Trust, Mortgage · Commercial Mortgage FLORA BANK & TRUST
Jan 22, 2016	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMUNITY BANK
Mar 14, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 20, 2007	Warranty Deed, Transfer · Commercial Mortgage DRAPER AND KRAMER MORTGAGE CORP]

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2022 · Amount on File
Deed Sale	Mar 14, 2022 · Amount on File
Prior Sale	Mar 10, 2022 · Amount on File
Deed Document Number	2022204331
Prior Transfer Date	Aug 26, 2013
Prior Transfer Doc	0000181144
Record Updated	Oct 29, 2026

June 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	221 N LOCUST ST, FLORA, IL 62839-2015
Transaction Type	Mortgage
Record Updated	Apr 2, 2026
Title Company	PARKS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000174078
Date	Jun 23, 2011
Instrument	174078

Lender

Name	FLORIA BANK & TRUST
Address	FLORA, IL 62839

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 10, 2021

Interest

Rate	6.9%

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	221 N LOCUST ST, FLORA, IL 62839-2015
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	000D189172
Date	Jun 22, 2016
Instrument	D189172

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jun 13, 2017

Interest

Rate Type	Fixed Rate
Rate	5.24%

January 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	221 N LOCUST ST, FLORA, IL 62839-2015
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D188021
Date	Jan 22, 2016
Instrument	D188021

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	6.5%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 14, 2022
Property Address	221 N LOCUST ST, FLORA, IL 62839-2015
Document Number	0000204331
Map Reference	BK 181 PG 144
Instrument Date	Feb 9, 2022
Instrument	204331
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$172.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 E 4TH ST, FLORA, IL 62839-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 N LOCUST ST, FLORA, IL 62839-2015

Mortgage

Document Number	0000204332
Date	Mar 14, 2022
Instrument	204332

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Fixed Rate

April 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 20, 2007
Property Address	221 N LOCUST ST, FLORA, IL 62839-2015
Document Number	0000160454
Instrument Date	Apr 20, 2007
Instrument	160454
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 W SOUTH AVE, FLORA, IL 62839-1746

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	221 N LOCUST ST, FLORA, IL 62839-2015

Mortgage

Document Number	0000160455
Date	Apr 20, 2007
Instrument	160455

Lender

Name	DRAPER AND KRAMER MORTGAGE CORP]
Address	CHICAGO, IL 60603

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2037

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	$47,057 Land $4,355 Building $42,702	$141,171 Land $13,065 Building $128,106
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$10,909 Land $3,301 Building $7,608	$32,727 Land $9,903 Building $22,824
2021	$596.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 221 N Locust St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

The area around 221 N Locust St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 440 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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