Clay County property record for 228 W 12th St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 936 sqft · built 1962 |
| Lot Size | 0.193 acres (8,407 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Nov 2024) |
| Tax Bill | $1,765 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Sep 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-23-417-004 |
| Primary APN | 10-23-417-004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| 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 | 288 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 68 sqft |
| Heating System | Central |
|---|
| Street Address | 228 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 14 |
| Legal Subdivision | KINNAMANS SUB DIV |
| Legal Lot Number | 14 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 972100 |
228 W 12th St, a residential property, is owned and occupied by an individual who bought it in November 2024.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 228 W 12TH ST, FLORA, IL 62839-1007 |
| 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.
| Date | Document |
|---|---|
| Nov 13, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLORA BANKING CO |
| Sep 5, 2019 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2024 · Amount on File |
| Deed Sale | Nov 14, 2024 · Amount on File |
| Prior Sale | Apr 26, 2007 · Amount on File |
| Deed Document Number | 2024210652 |
| Prior Transfer Date | Sep 3, 2019 |
| Prior Transfer Doc | 0000007349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 228 W 12TH ST, FLORA, IL 62839-1007 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2020 |
| Name | Verified Name |
|---|
| Document Number | 200404 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 200404 |
| Name | FLORA BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Jul 1, 2026 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Sep 5, 2019 |
| Property Address | 228 W 12TH ST, FLORA, IL 62839-1007 |
| Document Number | D197349 |
| Map Reference | BK B PG 450-451 |
| Instrument Date | Sep 3, 2019 |
| Instrument | D197349 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 813 W 12TH ST, FLORA, IL 62839-3459 |
The 2025 property tax bill for 228 W 12th St was $1,765 with a homeowner's exemption, down 16.8% from the year before.
Source: Clay County assessment roll, as of October 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,765.00 (-16.78%) Homeowner's exemption | $29,058 Land $3,036 Building $26,022 | $87,174 Land $9,108 Building $78,066 |
| 2024 | $2,121.00 | ||
| 2022 | $1,386.00 (+10.09%) Homeowner's exemption | $20,563 Land $2,233 Building $18,330 | $61,689 Land $6,699 Building $54,990 |
| 2021 | $1,259.00 |
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.
FEMA maps place 228 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 risk around 228 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 97% of the US · lower than 79% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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