432 East Dr, Flora, IL 62839 Property Records

Clay County property record for 432 East Dr, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,098 sqft · built 1950
Lot Size	0.191 acres (8,319 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,012 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-208-006`

Property Details

APN / Parcel Number

Primary APN	`10-36-208-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,098 sqft Living Area
Basement Area	1,098 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	8,319 sqft (0.191 acres)
Garage Area	390 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	48 sqft
Patio Area	238 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	432 EAST DR
City	FLORA
State	IL
Zip	62839-2704
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M T SNYDER'S 2ND ADDN ALL LOT 6 & W 3.98' LOT 7
Legal Subdivision	M T SNYDERS 2ND ADD
Legal Lot Number	6-7
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2094
Census Tract	972100

Owner

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	432 EAST DR, FLORA, IL 62839-2704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023
Deed Sale	May 31, 2023
Deed Document Number	2023207344
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 31, 2023
Property Address	432 EAST DR, FLORA, IL 62839-2704
Document Number	0000207344
Instrument Date	May 31, 2023
Instrument	207344
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
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	432 EAST DR, FLORA, IL 62839-2704

Mortgage

Document Number	0000207345
Date	May 31, 2023
Instrument	207345

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$4,012.00 (+6.25%) Homeowner's exemption	$58,410 (+130.05%) Land $1,980 Building $56,430	$175,230 (+130.05%) Land $5,940 Building $169,290
2024	$3,776.00 (+175.62%)
2022	$1,370.00 (+10.84%) Homeowner's exemption Senior Citizen's exemption	$25,390 Land $1,501 Building $23,889	$76,170 Land $4,503 Building $71,667
2021	$1,236.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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

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 99.1% of the US · lower than 94% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 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