40 Hermitage Rd, Flora, IL 62839 Property Records

Clay County property record for 40 Hermitage Rd, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	3 ba · 1,182 sqft · built 1995
Lot Size	0.51 acres (22,239 sqft)
Owner	2 Individual Names on Record
Last Sale	$180,000 (Oct 2021)
Tax Bill	$5,256 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-24-305-054`

Property Details

APN / Parcel Number

Primary APN	`10-24-305-054`

Interior

Full Baths	3 Baths
Building Area	1,182 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	22,239 sqft (0.51 acres)
Garage Area	964 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	42 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	40 HERMITAGE RD
City	FLORA
State	IL
Zip	62839-2331
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	RAINTREE PLANTATION SUB DIV LOT 40
Legal Subdivision	RAINTREE PLANTATION SUB DIV
Legal Lot Number	40
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3005
Census Tract	972100

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	40 HERMITAGE RD, FLORA, IL 62839-2331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2019	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 13, 2021	Warranty Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Nov 9, 2009 · Amount on Record
Deed Document Number	2021203143
Prior Transfer Date	Jul 8, 2009
Prior Transfer Doc	0000168186
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	40 HERMITAGE RD, FLORA, IL 62839-2331
Transaction Type	Mortgage
Record Updated	Mar 7, 2023
Title Company	NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D195833
Date	Jan 10, 2019
Instrument	D195833

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	192 Months
Due	Feb 1, 2034

Interest

Rate Type	Fixed Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Oct 13, 2021
Property Address	40 HERMITAGE RD, FLORA, IL 62839-2331
Document Number	0000203143
Map Reference	REC F PG 142-144
Instrument Date	Oct 8, 2021
Instrument	203143
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	40 HERMITAGE RD, FLORA, IL 62839-2331

Mortgage

Document Number	0000203144
Date	Oct 13, 2021
Instrument	203144

Lender

Name	CLAY CITY BANKING CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.75%

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
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	$5,256.00 (+5.93%) Homeowner's exemption	$74,658 (+32.03%) Land $7,291 Building $67,367	$223,974 (+32.03%) Land $21,873 Building $202,101
2024	$4,962.00 (+6.55%)
2022	$4,657.00 (+9.58%) Homeowner's exemption	$56,547 Land $5,502 Building $51,045	$169,641 Land $16,506 Building $153,135
2021	$4,250.00

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 · 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	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · 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

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 135 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Nextlink.

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