447 Vincennes Ave, Flora, IL 62839 Property Records

Clay County property record for 447 Vincennes Ave, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 832 sqft · built 1916
Lot Size	0.167 acres (7,291 sqft)
Owner	Company Name on Record
Last Sale	$35,000 (Sep 2023)
Tax Bill	$1,046 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-319-007`

Property Details

APN / Parcel Number

Primary APN	`10-25-319-007`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	832 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1916
Effective Year Built	Effective 1916
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,291 sqft (0.167 acres)
Garage Area	253 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	194 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	447 VINCENNES AVE
City	FLORA
State	IL
Zip	62839-2152
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	C H MURPHY'S ADDN W 20' LOT 1 & E 40' LOT 2
Legal Subdivision	C H MURPHYS ADD
Legal Lot Number	1-2
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2025
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	Company Name on Record
Mailing Address	133 E 6TH ST, FLORA, IL 62839-1936
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Line of Credit WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER
Sep 18, 2023	Warranty Deed, Transfer · Commercial Mortgage FLORA BANKING CO
Jul 6, 2023	Affidavit of Death of Joint Tenant, Transfer ATTORNEY ONLY, ATTORNEY
Jun 23, 2023	Transfer on Death Deed, Transfer ATTORNEY ONLY, ATTORNEY
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Prior Sale	Feb 19, 2013 · Amount on Record
Deed Document Number	2023208021
Prior Transfer Date	Jul 5, 2023
Prior Transfer Doc	0000207577
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Jul 29, 2026
Property Address	447 VINCENNES AVE, FLORA, IL 62839-2152
Document Number	0000001394
Instrument Date	Jul 24, 2026
Instrument	20261394
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company, 103
Address	133 E 6TH ST, FLORA, IL 62839-1936

Mortgage

Document Number	0000001394,
Date	Jul 29, 2026
Instrument	20261394

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jul 31, 2031

Interest

Rate	6.75%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Sep 18, 2023
Property Address	447 VINCENNES AVE, FLORA, IL 62839-2152
Document Number	0000208021
Instrument Date	Sep 12, 2023
Instrument	208021
Transaction Type	Transfer
Record Updated	Oct 4, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E 6TH ST, FLORA, IL 62839-1936

Mortgage

Document Number	0000208022
Date	Sep 18, 2023
Instrument	208022

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 12, 2028

Interest

Rate Type	Fixed Rate
Rate	8.5%

July 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	CLAY IL
Recording Date	Jul 6, 2023
Property Address	447 VINCENNES AVE, FLORA, IL 62839-2152
Document Number	0000207577
Instrument Date	Jul 5, 2023
Instrument	207577
Transaction Type	Transfer
Record Updated	Aug 2, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S MAIN ST, FLORA, IL 62839-1706

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLAY IL
Recording Date	Jun 23, 2023
Property Address	447 VINCENNES AVE, FLORA, IL 62839-2152
Document Number	0000207498
Map Reference	DOC 179159
Instrument Date	Jun 23, 2023
Instrument	207498
Transaction Type	Transfer
Record Updated	Jul 12, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	447 VINCENNES AVE, FLORA, IL 62839-2152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 VINCENNES AVE, FLORA, IL 62839-2152

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	447 VINCENNES AVE, FLORA, IL 62839-2152
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200744
Date	Dec 29, 2020
Instrument	200744

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Nov 29, 2023

Interest

Rate Type	Fixed 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	$1,046.00 (+4.91%)	$13,662 (+11.45%) Land $2,772 Building $10,890	$40,986 (+11.45%) Land $8,316 Building $32,670
2024	$997.00	$12,258 (+18.53%) Land $2,487 Building $9,771	$36,774 (+18.53%) Land $7,461 Building $29,313
2022	Homeowner's exemption Senior Citizen's exemption	$10,342 Land $2,091 Building $8,251	$31,026 Land $6,273 Building $24,753

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.

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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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