224 W 12th St, Flora, IL 62839 Property Records

Clay County property record for 224 W 12th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 954 sqft · built 1948
Lot Size	0.193 acres (8,407 sqft)
Owner	Company Name on File
Last Sale	$42,500 (Dec 2018)
Tax Bill	$420 (2025)
Deeds & Mortgages	Feb 2023 Transfer Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-417-005`

Property Details

APN / Parcel Number

Primary APN	`10-23-417-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	954 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	8,407 sqft (0.193 acres)
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft

Location & Zoning

Street Address	224 W 12TH ST
City	FLORA
State	IL
Zip	62839-1007
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	KINNAMAN'S SUB DIV LOT 13
Legal Subdivision	KINNAMANS SUB DIV
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1012
Census Tract	972100

Owner

224 W 12th St, a residential property, is owned by a company that acquired it in February 2023 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	224 W 12TH ST, FLORA, IL 62839-1007
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

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
Feb 27, 2023	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 14, 2018	Warranty Deed, Transfer · Conventional Mortgage STATE FARM BANK
Jan 22, 2010	Trustee's Deed, Foreclosure · Commercial Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2018 · Amount on File
Deed Sale	Dec 14, 2018 · Amount on File
Prior Sale	Jan 22, 2010 · Amount on File
Deed Document Number	2018195687
Last Transfer Date	Feb 21, 2023
Transfer Doc	0000206758
Record Updated	Oct 29, 2026

February 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Feb 27, 2023
Property Address	224 W 12TH ST, FLORA, IL 62839-1007
Document Number	0000206758
Map Reference	PR B PG 450-451
Instrument Date	Feb 21, 2023
Instrument	206758
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 W 12TH ST, FLORA, IL 62839-1007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 W 12TH ST, FLORA, IL 62839-1007

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 14, 2018
Property Address	224 W 12TH ST, FLORA, IL 62839-1007
Document Number	000D195687
Map Reference	PR B PG 450-451
Instrument Date	Dec 12, 2018
Instrument	D195687
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.75
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	224 W 12TH ST, FLORA, IL 62839-1007

Mortgage

Document Number	000D195688
Date	Dec 14, 2018
Instrument	D195688

Lender

Name	STATE FARM BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Fixed Rate

January 2010: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CLAY IL
Recording Date	Jan 22, 2010
Property Address	224 W 12TH ST, FLORA, IL 62839-1007
Document Number	0000169744
Map Reference	MB B PG450-451
Instrument Date	Jan 13, 2010
Instrument	169744
Transaction Type	Foreclosure
Record Updated	Apr 2, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 N WORTHEY ST, FLORA, IL 62839-1239

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	129 GOLF COURSE RD, FLORA, IL 62839-4167
Investor	Possibly a Property Investor

Mortgage

Document Number	0000169745
Date	Jan 22, 2010
Instrument	169745

Lender

Name	FLORA BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jan 21, 2015

Interest

Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 224 W 12th St was $420 with exemptions applied, down 5.8% 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	$420.00 (-5.83%) Homeowner's exemption Senior Citizen's exemption	$21,849 Land $3,036 Building $18,813	$65,547 Land $9,108 Building $56,439
2024	$446.00
2022	$998.00 (+10.4%) Homeowner's exemption	$16,488 Land $2,233 Building $14,255	$49,464 Land $6,699 Building $42,765
2021	$904.00

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 W 12th 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 W 12th 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.

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