Clay County property record for 435 S Locust St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,180 sqft · built 1939 |
| Lot Size | 0.202 acres (8,814 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $83,000 (Aug 2005) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-300-006 |
| Primary APN | 10-25-300-006 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,180 sqft Living Area |
| Basement Area | 820 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 8,814 sqft (0.202 acres) |
| Garage Area | 988 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,071 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 435 S LOCUST ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2173 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | SEC 25-3-6 IN CORP S 68' LOT 4 SW PLUS 5' X 122' VACATED ALLEY ON S SIDE |
| Legal Range | 06 |
| Legal Township | 03 |
| Legal Section | 25 |
| Legal Lot Number | 4 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 972100 |
435 S Locust St, a residential property, is owned and occupied by two individuals who bought it in August 2005.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 435 S LOCUST ST, FLORA, IL 62839-2173 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 12, 2005 · Amount on File |
| Deed Sale | Aug 12, 2005 · Amount on File |
| Deed Document Number | 2005154662 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 435 S LOCUST ST, FLORA, IL 62839-2173 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | D192421 |
|---|---|
| Date | Sep 1, 2017 |
| Instrument | D192421 |
| Name | CLAY CITY BANKING CO |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Oct 26, 2022 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 435 S Locust St was $3,071 with a homeowner's exemption, up 6.7% from the year before.
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 | $3,071.00 (+6.67%) Homeowner's exemption | $46,119 Land $2,639 Building $43,480 | $138,357 Land $7,917 Building $130,440 |
| 2024 | $2,879.00 | ||
| 2022 | $2,789.00 (+9.76%) Homeowner's exemption | $35,286 Land $1,933 Building $33,353 | $105,858 Land $5,799 Building $100,059 |
| 2021 | $2,541.00 |
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.
FEMA maps place 435 S Locust St in Zone X, an area of minimal flood risk.
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.
The area around 435 S Locust St has no burnable land within ember reach, so its wildfire risk is not rated.
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 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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