298 Cedar Elm Dr, Flora, IL 62839 Property Records

Clay County property record for 298 Cedar Elm Dr, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,921 sqft · built 1987
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,000 (Jun 2026)
Tax Bill	$2,354 (2022)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-32-300-008`

Property Details

APN / Parcel Number

Primary APN	`10-32-300-008`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,921 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	1,040 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Deck Area	410 sqft
Pole Barn	3,444 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	298 CEDAR ELM DR
City	FLORA
State	IL
Zip	62839-3377
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SEC 32-3-6 N/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 records, as of October 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	298 CEDAR ELM DR, FLORA, IL 62839-3377
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Deed Document Number	20261157
Prior Transfer Date	Oct 9, 2024
Prior Transfer Doc	0000210438
Record Updated	Oct 29, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jun 22, 2026
Property Address	298 CEDAR ELM DR, FLORA, IL 62839-3377
Document Number	0000001157
Instrument Date	Jun 18, 2026
Instrument	20261157
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,418.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	298 CEDAR ELM DR, FLORA, IL 62839-3377

Mortgage

Document Number	0000001158,
Date	Jun 22, 2026
Instrument	20261158

Lender

Name	SCOTT CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.25%
Initial Type	Fixed Rate
Max Rate	-1%

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
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	$71,074 (+11.45%) Land $8,974 Building $62,100	$213,222 (+11.45%) Land $26,922 Building $186,300
2024		$63,772 (+23.29%) Land $8,052 Building $55,720	$191,316 (+23.29%) Land $24,156 Building $167,160
2022	$2,354.00 (+7.54%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$51,725 Land $6,735 Building $44,990	$155,175 Land $20,205 Building $134,970
2021	$2,189.00

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

Flood

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 Communications Fiber	1,000 / 1,000
Nextlink Fixed Wireless	500 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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