Clay County property record for 432 S Mill St, Flora, IL 62839 · Last verified July 2026
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 770 sqft · built 1910 |
| Lot Size | 0.227 acres (9,929 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,000 (Apr 2008) |
| Tax Bill | $745 (2024) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-327-030 |
| Primary APN | 10-25-327-030 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 770 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 | No Foundation |
| Roof Material | Shingle |
| Lot Area | 9,929 sqft (0.227 acres) |
| Porch | Slab |
| Porch Area | 102 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 432 S MILL ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2132 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | WILLIAM WHITE'S 4TH ADDN LOT 24 |
| Legal Subdivision | WILLIAM WHITES 4TH ADD |
| Legal Lot Number | 24 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 972100 |
Source: Clay County records · APN 10-25-327-030
Assessment roll updated September 5, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 525 S GREEN ST, LOUISVILLE, IL 62858-1142 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2008 · Amount on Record |
| Deed Sale | Apr 21, 2008 · Amount on Record |
| Deed Document Number | 2008163868 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 432 S MILL ST, FLORA, IL 62839-2132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2018D194216 |
|---|---|
| Date | May 18, 2018 |
| Instrument | 2018D194216 |
| Name | CLAY COUNTY STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | May 17, 2023 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,209 (+32.69%) Land $2,772 Building $7,437 | $30,627 (+32.69%) Land $8,316 Building $22,311 | |
| 2024 | $745.00 (+1.78%) | ||
| 2022 | $732.00 (+9.25%) | $7,694 Land $2,059 Building $5,635 | $23,082 Land $6,177 Building $16,905 |
| 2021 | $670.00 |
Source: FEMA National Flood Hazard Layer, Clay County (17025C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 346 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Frontier | Fiber | 5,000 / 5,000 |
| Wabash Telephone Cooperative | Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group | Fixed Wireless (licensed-by-rule) | 500 / 100 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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