432 Flora Ave, Flora, IL 62839 Property Records

Clay County property record for 432 Flora Ave, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,548 sqft · built 1946
Lot Size	0.245 acres (10,699 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,796 (2025)
Deeds & Mortgages	May 2017 Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-202-006`

Property Details

APN / Parcel Number

Primary APN	`10-36-202-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,548 sqft Living Area
Attic	Attic
Attic Area	996 sqft
Basement Area	924 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	10,699 sqft (0.245 acres)
Garage Area	1,032 sqft
Driveway	Concrete Driveway
Driveway Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	76 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	432 FLORA AVE
City	FLORA
State	IL
Zip	62839-2714
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M T SNYDER ADDN BLOCK B ALL LOT 6 & W/2 LOT 7
Legal Subdivision	M T SNYDER ADD
Legal Block	B
Legal Lot Number	6-7
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2073
Census Tract	972100

Owner

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	2 Individual Names on Record
Mailing Address	432 FLORA AVE, FLORA, IL 62839-2714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage FLORA SAVINGS BANK
Oct 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	432 FLORA AVE, FLORA, IL 62839-2714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D191552
Date	May 1, 2017
Instrument	D191552

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 30, 2022

Interest

Rate Type	Fixed Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	432 FLORA AVE, FLORA, IL 62839-2714
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200113
Date	Oct 7, 2020
Instrument	200113

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2040

Interest

Rate Type	Adjustable Rate

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	$2,796.00 (+6.88%) Homeowner's exemption	$42,521 (+35.33%) Land $3,036 Building $39,485	$127,563 (+35.33%) Land $9,108 Building $118,455
2024	$2,616.00 (+8.1%)
2022	$2,420.00 (+17.53%) Homeowner's exemption	$31,420 Land $2,234 Building $29,186	$94,260 Land $6,702 Building $87,558
2021	$2,059.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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