Clay County property record for 411 Oak St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.223 acres (9,748 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $7,500 (Jun 2015) |
| Tax Bill | $403 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-222-017 |
| Primary APN | 10-25-222-017 |
|---|
| Lot Area | 9,748 sqft (0.223 acres) |
|---|
| Street Address | 411 OAK ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AL-BO SUB DIV S PT LOT 23 |
| Legal Subdivision | AL-BO SUB |
| Legal Lot Number | 23 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 3 |
| Census Block | 3059 |
| Census Tract | 972100 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 309 E 2ND ST, FLORA, IL 62839-2035 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 11, 2015 · Amount on Record |
| Deed Sale | Jun 11, 2015 · Amount on Record |
| Deed Document Number | 2015186278 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 411 OAK ST, FLORA, IL 62839 |
| Transaction Type | Mortgage |
| Record Updated | Sep 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | D198577 |
|---|---|
| Date | Mar 10, 2020 |
| Instrument | D198577 |
| Name | FLORA BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 16, 2025 |
| Rate Type | Fixed Rate |
|---|
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 | $403.00 (+4.95%) | $5,268 (+34.97%) Land $1,452 Building $3,816 | $15,804 (+34.97%) Land $4,356 Building $11,448 |
| 2024 | $384.00 (+3.5%) | ||
| 2022 | $371.00 (+9.12%) | $3,903 Land $1,011 Building $2,892 | $11,709 Land $3,033 Building $8,676 |
| 2021 | $340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 274 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 |
May also be available: ClearWave, Nextlink, T-Mobile.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures