Clay County property record for 448 East Dr, Flora, IL 62839
| Property Type | Apartments (5+ Units) |
|---|---|
| Details | 2 ba · 1,508 sqft · built 1965 |
| Lot Size | 0.35 acres (15,280 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,500 (Apr 2023) |
| Tax Bill | $2,273 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Line of Credit May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-36-208-011 |
| Primary APN | 10-36-208-011 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| Flooring | Concrete/Cement |
| Interior Walls | Plaster |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Concrete |
| Construction Type | Concrete |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Shingle |
| Lot Area | 15,280 sqft (0.35 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 6 Parking Spaces |
| Heating System | Central |
|---|
| Street Address | 448 EAST DR |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2704 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Apartments (5+ Units) |
| Legal Description | M T SNYDER'S 2ND ADDN LOT 8, W PT LOT 9 & LOT 7 EX 3.98' W SIDE |
| Legal Subdivision | M T SNYDERS 2ND ADD |
| Legal Lot Number | 7-9 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2094 |
| Census Tract | 972100 |
448 East Dr, a residential property, is owned by two individuals who bought it in April 2023.
Source: Clay County records, as of October 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 639 W 4TH ST, FLORA, IL 62839-1268 |
| 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.
| Date | Document |
|---|---|
| Apr 6, 2023 | Warranty Deed, Transfer · Line of Credit COMMUNITY PARTNER SAVINGS BANK |
| May 23, 2019 | Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2023 · Amount on File |
| Deed Sale | Apr 6, 2023 · Amount on File |
| Prior Sale | May 23, 2019 · Amount on File |
| Deed Document Number | 2023206986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Apr 6, 2023 |
| Property Address | 448 EAST DR, FLORA, IL 62839-2704 |
| Document Number | 0000206986 |
| Instrument Date | Mar 24, 2023 |
| Instrument | 206986 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $123.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1377 BELLFLOWER LN, CLAY CITY, IL 62824-2274 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 639 W 4TH ST, FLORA, IL 62839-1268 |
| Document Number | 0000206987 |
|---|---|
| Date | Apr 6, 2023 |
| Instrument | 206987 |
| Name | COMMUNITY PARTNER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 10, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | May 23, 2019 |
| Property Address | 448 EAST DR, FLORA, IL 62839-2704 |
| Document Number | 000D196671 |
| Instrument Date | May 9, 2019 |
| Instrument | D196671 |
| Transaction Type | Transfer |
| Record Updated | Jun 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $90.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1377 BELLFLOWER LN, CLAY CITY, IL 62824-2274 |
| Investor | Possibly a Property Investor |
| Document Number | 000D196672 |
|---|---|
| Date | May 23, 2019 |
| Instrument | D196672 |
| Name | FLORA BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 9, 2024 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 448 East Dr was $2,273, up 4.8% 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 | $2,273.00 (+4.84%) | $29,696 Land $3,960 Building $25,736 | $89,088 Land $11,880 Building $77,208 |
| 2024 | $2,168.00 | ||
| 2022 | $2,033.00 (+9.36%) | $21,348 Land $3,000 Building $18,348 | $64,044 Land $9,000 Building $55,044 |
| 2021 | $1,859.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 448 East Dr 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.
Wildfire risk around 448 East Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 94% of Illinois |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 20 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 |
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