441 S Locust St, Flora, IL 62839 Property Records

Clay County property record for 441 S Locust St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,248 sqft · built 1979
Lot Size	0.256 acres (11,188 sqft)
Owner	2 Individual Names on Record
Last Sale	$22,000 (Nov 2021)
Tax Bill	$1,293 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-352-002`

Property Details

APN / Parcel Number

Primary APN	`10-25-352-002`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Living Area
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	11,188 sqft (0.256 acres)
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	1,032 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	441 S LOCUST ST
City	FLORA
State	IL
Zip	62839-2173
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	HANNAH DULANEY'S ADDN LOT 13
Legal Subdivision	H DULANEYS ADD
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2046
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	435 S LOCUST ST, FLORA, IL 62839-2173
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	2021203511
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 29, 2021
Property Address	441 S LOCUST ST, FLORA, IL 62839-2173
Document Number	0000203511
Instrument Date	Nov 29, 2021
Instrument	203511
Transaction Type	Transfer
Record Updated	Dec 15, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
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	435 S LOCUST ST, FLORA, IL 62839-2173

Mortgage

Document Number	0000203512
Date	Nov 29, 2021
Instrument	203512

Lender

Name	CLAY COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$1,293.00 (+4.87%)	$16,893 (+31.95%) Land $2,772 Building $14,121	$50,679 (+31.95%) Land $8,316 Building $42,363
2024	$1,233.00 (+1.15%)
2022	$1,219.00 (+19.63%)	$12,803 Land $2,103 Building $10,700	$38,409 Land $6,309 Building $32,100
2021	$1,019.00

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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