500 W 12th St, Flora, IL 62839 Property Records

Clay County property record for 500 W 12th St, Flora, IL 62839

Property Summary

Property Type	Commercial
Details	2 ba · 4,784 sqft · built 2011
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on Record
Tax Bill	$11,231 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2025 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-23-400-043`

Property Details

APN / Parcel Number

Primary APN	`10-23-400-043`
Alternative APN	`10-23-400-055`

Exterior

Foundation Type	Slab (Mat/Raft)
Lot Area	66,647 sqft (1.53 acres)
Driveway	Driveway
Driveway Area	30,354 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	500 W 12TH ST
City	FLORA
State	IL
Zip	62839-1064
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SEC 23-3-6 PT SW SE LYING S OF F.A. RT 13 & WEST OF RR ROW 1.53 AC
Legal Range	06
Legal Township	03
Legal Section	23
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1011
Census Tract	972100

Owner

Source: Clay County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1765 COUNTY ROAD 725 N, FAIRFIELD, IL 62837-4324
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Line of Credit FLORA CITY
Oct 17, 2025	Warranty Deed, Transfer · Line of Credit FAIRFIELD NATIONAL BANK
Aug 22, 2018	Quit Claim Deed, Transfer Quitclaim
May 11, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 22, 2018
Transfer Doc	D194911
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	500 W 12TH ST, FLORA, IL 62839-1064
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213011
Date	Nov 18, 2025
Instrument	213011

Lender

Name	FLORA CITY
Type	Government Agency

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	4%

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Oct 17, 2025
Property Address	500 W 12TH ST, FLORA, IL 62839-1064
Document Number	0000212794
Instrument Date	Oct 16, 2025
Instrument	212794
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$562.50
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	1765 COUNTY ROAD 725 N, FAIRFIELD, IL 62837-4324

Mortgage

Document Number	0000212795
Date	Oct 17, 2025
Instrument	212795

Lender

Name	FAIRFIELD NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Aug 22, 2018
Property Address	500 W 12TH ST, FLORA, IL 62839-1064
Document Number	D194911
Instrument Date	Aug 22, 2018
Instrument	D194911
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 255, XENIA, IL 62899-0255

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	May 11, 2018
Property Address	500 W 12TH ST, FLORA, IL 62839-1064
Document Number	2018D194166
Instrument Date	May 11, 2018
Instrument	2018D194166
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 255, XENIA, IL 62899-0255

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	$11,231.00 (-15.15%)	$146,703 (-9.81%) Land $12,940 Building $133,763	$440,109 (-9.81%) Land $38,820 Building $401,289
2024	$13,236.00 (+71.18%)	$162,667 (+9.95%) Land $28,904 Building $133,763	$488,001 (+9.95%) Land $86,712 Building $401,289
2022	$7,732.00 (+1.55%)	$147,942 Land $26,229 Building $121,713	$443,826 Land $78,687 Building $365,139
2021	$7,614.00

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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	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 150 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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