Clay County property record for 431 N Olive Rd, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 912 sqft · built 1910 |
| Lot Size | 0.225 acres (9,822 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $48,000 (May 2025) |
| Tax Bill | $524 (2025) |
| Deeds & Mortgages | Dec 2008 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-142-004 |
| Primary APN | 10-25-142-004 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 9,822 sqft (0.225 acres) |
| Porch | Porch |
| Porch Area | 136 sqft |
| Street Address | 431 N OLIVE RD |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2412 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | WILLIAM WHITE'S 5TH ADDN ALL LOT 3 & N/2 LOT 4 |
| Legal Subdivision | WILLIAM WHITES 5TH ADD |
| Legal Lot Number | 3-4 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 972100 |
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 Record |
|---|---|
| Mailing Address | 431 N OLIVE RD, FLORA, IL 62839-2412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 22, 2025 · Amount on Record |
| Deed Sale | May 22, 2025 · Amount on Record |
| Prior Sale | Nov 9, 2006 · Amount on Record |
| Deed Document Number | 2025211855 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 431 N OLIVE RD, FLORA, IL 62839-2412 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000166184 |
|---|---|
| Date | Dec 18, 2008 |
| Instrument | 166184 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Address | SAINT LOUIS, MO 63166 |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 396 Months |
| Due | Dec 11, 2041 |
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 | $524.00 (+16.7%) Homeowner's exemption | $12,848 (+32.4%) Land $3,430 Building $9,418 | $38,544 (+32.4%) Land $10,290 Building $28,254 |
| 2024 | $449.00 (+27.56%) | ||
| 2022 | $352.00 (+12.46%) Homeowner's exemption | $9,704 Land $2,568 Building $7,136 | $29,112 Land $7,704 Building $21,408 |
| 2021 | $313.00 |
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.
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 | Low lower than 99.1% of the US · lower than 94% 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 440 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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