224 Hickory St, Flora, IL 62839 Property Records

Clay County property record for 224 Hickory St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 989 sqft · built 1952
Lot Size	0.163 acres (7,126 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Nov 2025)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Nov 2023 Sale & Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-212-003`

Property Details

APN / Parcel Number

Primary APN	`10-26-212-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	989 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
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	483 sqft
Parking Spaces	1 Parking Space
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	224 HICKORY ST
City	FLORA
State	IL
Zip	62839-1068
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	GIVEN & PHILLIPS ADDN LOT 10
Legal Subdivision	GIVEN & PHILLIPS ADD
Legal Lot Number	10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1020
Census Tract	972100

Owner

224 Hickory St, a residential property, is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	224 HICKORY ST, FLORA, IL 62839-1068
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
Nov 14, 2025	Warranty Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO
Nov 1, 2023	Warranty Deed, Transfer · Line of Credit FIRST COMMUNITY BANK XENIA
Oct 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FLORA SAVINGS BANK
Jun 14, 2017	Deed, Transfer
Jun 14, 2017	Deed, Transfer · Commercial Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2025 · Amount on File
Deed Sale	Nov 14, 2025 · Amount on File
Prior Sale	Nov 1, 2023 · Amount on File
Deed Document Number	202512989
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 14, 2025
Property Address	224 HICKORY ST, FLORA, IL 62839-1068
Document Number	0000212989
Instrument Date	Nov 12, 2025
Instrument	212989
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$138.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 HICKORY ST, FLORA, IL 62839-1068

Mortgage

Document Number	0000212990
Date	Nov 14, 2025
Instrument	212990

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

Interest

Rate Type	Fixed Rate
Rate	6%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 1, 2023
Property Address	224 HICKORY ST, FLORA, IL 62839-1068
Document Number	0000208269
Instrument Date	Oct 26, 2023
Instrument	208269
Transaction Type	Transfer
Record Updated	Nov 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 HICKORY ST, FLORA, IL 62839-1068

Mortgage

Document Number	0000208270
Date	Nov 1, 2023
Instrument	208270

Lender

Name	FIRST COMMUNITY BANK XENIA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 27, 2028

Interest

Rate Type	Fixed Rate
Rate	8.25%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	224 HICKORY ST, FLORA, IL 62839-1068
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D192806
Date	Oct 23, 2017
Instrument	D192806

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Apr 18, 2018

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jun 14, 2017
Property Address	224 HICKORY ST, FLORA, IL 62839-1068
Document Number	D191894
Instrument Date	Jun 5, 2017
Instrument	D191894
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.00
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	224 HICKORY ST, FLORA, IL 62839-1068

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jun 14, 2017
Property Address	224 HICKORY ST, FLORA, IL 62839-1068
Document Number	D191894
Instrument Date	Jun 5, 2017
Instrument	D191894
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.00
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	224 HICKORY ST, FLORA, IL 62839-1068

Mortgage

Document Number	D191895
Date	Jun 14, 2017
Instrument	D191895

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 224 Hickory St was $1,964 with exemptions applied, up 5.5% from the year before.

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	$1,964.00 (+5.53%) Homeowner's exemption	$32,179 (+11.45%) Land $2,772 Building $29,407	$96,537 (+11.45%) Land $8,316 Building $88,221
2024	$1,861.00 Homeowner's exemption	$28,873 Land $2,487 Building $26,386	$86,619 Land $7,461 Building $79,158
2022	$915.00 (+19.14%) Homeowner's exemption Senior Citizen's exemption	$22,321 Land $2,103 Building $20,218	$66,963 Land $6,309 Building $60,654
2021	$768.00

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

FEMA maps place 224 Hickory St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 224 Hickory St is low, with less than a 0.01% annual chance of 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.

Nearby Properties on Hickory St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures