288 Cedar Elm Dr, Flora, IL 62839 Property Records

Clay County property record for 288 Cedar Elm Dr, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$55,000 (Aug 2017)
Tax Bill	$1,177 (2024)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-32-300-009`

Property Details

APN / Parcel Number

Primary APN	`10-32-300-009`

Exterior

Lot Area	217,800 sqft (5 acres)

Location & Zoning

Street Address	288 CEDAR ELM DR
City	FLORA
State	IL
Zip	62839-3377
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 32-3-6 S/2 S/2 S/2 NE SW 5 AC
Legal Range	06
Legal Township	03
Legal Section	32
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2122
Census Tract	972200

Owner

Source: Clay County assessment roll, as of September 5, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	288 CEDAR ELM DR, FLORA, IL 62839-3377
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITY PARTNER SAVINGS BANK
Aug 1, 2017	Deed, Transfer · Conventional Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 1, 2017 · Amount on Record
Deed Sale	Aug 1, 2017 · Amount on Record
Deed Document Number	2017192216
Prior Transfer Date	Jul 29, 2017
Prior Transfer Doc	D192216
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	288 CEDAR ELM DR, FLORA, IL 62839-3377
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205941
Date	Oct 24, 2022
Instrument	205941

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Aug 1, 2017
Property Address	288 CEDAR ELM DR, FLORA, IL 62839-3377
Document Number	D192216
Instrument Date	Jul 29, 2017
Instrument	D192216
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 CEDAR ELM DR, FLORA, IL 62839-3377

Mortgage

Document Number	D192217
Date	Aug 1, 2017
Instrument	D192217

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 5, 2025

Property Jurisdictions

Type	Name
State	Illinois
County	Clay County
County Subdivision	Harter Township
Unified School District	Flora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$28,336 (+11.45%) Land $8,974 Building $19,362	$85,008 (+11.45%) Land $26,922 Building $58,086
2024	$1,177.00 (+15.96%)	$25,425 (+18.78%) Land $8,052 Building $17,373	$76,275 (+18.78%) Land $24,156 Building $52,119
2022	$1,015.00 (+1.1%) Homeowner's exemption	$21,406 Land $6,735 Building $14,671	$64,218 Land $20,205 Building $44,013
2021	$1,004.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · above 71% of Illinois
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Telephone Cooperative Fiber	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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