Clay County property record for 409 W 12th St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,340 sqft · built 1941 |
| Lot Size | 0.438 acres (19,111 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Nov 2024) |
| Tax Bill | $2,681 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-210-002 |
| Primary APN | 10-26-210-002 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 19,111 sqft (0.438 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 78 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 409 W 12TH ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1012 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | ASSESSOR'S SUB DIV RIDER'S ADDN BLOCK 1 LOTS 4 & 5 |
| Legal Subdivision | RIDERS ADD |
| Legal Block | 1 |
| Legal Lot Number | 4-5 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 972100 |
409 W 12th St, a residential property, is owned and occupied by two individuals who bought it in November 2024.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 409 W 12TH ST, FLORA, IL 62839-1012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2024 · Amount on File |
| Deed Sale | Nov 6, 2024 · Amount on File |
| Deed Document Number | 2024210606 |
| Prior Transfer Date | Oct 14, 2024 |
| Prior Transfer Doc | 0000210606 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Feb 27, 2024 |
| Property Address | 409 W 12TH ST, FLORA, IL 62839-1012 |
| Document Number | 0000208965 |
| Map Reference | PR C PG 170 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 208965 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 330 SUNFLOWER DR, FLORA, IL 62839-4009 |
The 2025 property tax bill for 409 W 12th St was $2,681, up 4.8% 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 | $2,681.00 (+4.85%) | $35,029 Land $3,167 Building $31,862 | $105,087 Land $9,501 Building $95,586 |
| 2024 | $2,557.00 | ||
| 2022 | $931.00 (+178.74%) Senior Citizen's exemption | $26,525 Land $2,382 Building $24,143 | $79,575 Land $7,146 Building $72,429 |
| 2021 | $334.00 |
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 409 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 409 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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