49 Natchez Trce, Flora, IL 62839 Property Records

Clay County property record for 49 Natchez Trce, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,840 sqft · built 1997
Lot Size	0.663 acres (28,887 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,000 (Mar 2017)
Tax Bill	$4,818 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-24-305-064`

Property Details

APN / Parcel Number

Primary APN	`10-24-305-064`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,840 sqft Living Area
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	28,887 sqft (0.663 acres)
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	49 NATCHEZ TRCE
City	FLORA
State	IL
Zip	62839-2337
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	RAINTREE PLANTATION SUB LOT 49
Legal Subdivision	RAINTREE PLANTATION SUB
Legal Lot Number	49
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3004
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	PO BOX 331, FLORA, IL 62839-0331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit FLORA BANK AND TRUST
Jul 10, 2017	Deed of Trust, Mortgage · Commercial Mortgage FLORA BANK & TRUST
May 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANK & TRUST
Mar 22, 2017	Warranty Deed, Transfer · Commercial Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2017 · Amount on Record
Deed Sale	Mar 22, 2017 · Amount on Record
Deed Document Number	2017191235
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	May 18, 2026
Property Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337
Document Number	0000000953
Instrument Date	May 11, 2026
Instrument	2026953
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000953,
Date	May 18, 2026
Instrument	2026953

Lender

Name	FLORA BANK AND TRUST

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D192058
Date	Jul 10, 2017
Instrument	D192058

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2047

Interest

Rate Type	Fixed Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000198875
Date	May 4, 2020
Instrument	198875

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 22, 2017
Property Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337
Document Number	000D191235
Map Reference	PR F PG 142
Instrument Date	Mar 14, 2017
Instrument	D191235
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$213.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	49 NATCHEZ TRCE, FLORA, IL 62839-2337

Mortgage

Document Number	000D191236
Date	Mar 22, 2017
Instrument	D191236

Lender

Name	FLORA BANK & TRUST

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4.75%

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	$4,818.00 (+6.03%) Homeowner's exemption	$68,931 (+11.45%) Land $9,435 Building $59,496	$206,793 (+11.45%) Land $28,305 Building $178,488
2024	$4,544.00 (+5.67%)	$61,850 (+18.52%) Land $8,466 Building $53,384	$185,550 (+18.52%) Land $25,398 Building $160,152
2022	$4,300.00 (+9.58%) Homeowner's exemption	$52,187 Land $7,106 Building $45,081	$156,561 Land $21,318 Building $135,243
2021	$3,924.00

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.

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
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · rainfall accumulation

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 97% of the US · lower than 79% 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.

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 11 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 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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