Clay County property record for 400 S Mill St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Owner | 2 Individual Names on File |
| Tax Bill | $1,719 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-327-057 |
| Primary APN | 10-25-327-057 |
|---|
| Street Address | 400 S MILL ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WILLIAM WHITE'S 4TH ADDN LOTS 17,18,19 & 20 |
| Legal Subdivision | WILLIAM WHITES 4TH ADD |
| Legal Lot Number | 17-20 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 972100 |
400 S Mill St is owned and occupied by two individuals.
Source: Clay County records, as of October 15, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 400 S MILL ST, FLORA, IL 62839-2132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 400 S Mill St was $1,719 with a homeowner's exemption, up 8.1% 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 | $1,719.00 (+8.11%) Homeowner's exemption | $28,465 Land $7,919 Building $20,546 | $85,395 Land $23,757 Building $61,638 |
| 2024 | $1,590.00 | ||
| 2022 | $1,483.00 (+10.1%) Homeowner's exemption | $21,575 Land $6,007 Building $15,568 | $64,725 Land $18,021 Building $46,704 |
| 2021 | $1,347.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 S Mill St in Zone X, an area of minimal flood risk.
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 |
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.
The area around 400 S Mill St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 346 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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