601 N Mill St, Flora, IL 62839 Property Records

Clay County property record for 601 N Mill St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,740 sqft · built 2004
Lot Size	0.153 acres (6,702 sqft)
Owner	2 Individual Names on File
Last Sale	$181,000 (May 2025)
Tax Bill	$3,917 (2022)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Apr 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-134-007`

Property Details

APN / Parcel Number

Primary APN	`10-25-134-007`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,740 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,702 sqft (0.153 acres)
Garage Area	550 sqft
Driveway	Concrete Driveway
Driveway Area	880 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	60 sqft
Deck Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	601 N MILL ST
City	FLORA
State	IL
Zip	62839-1939
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	DURLAND BROS 1ST ADDN BLOCK 2 LOT 12 EX 20' X 30' NE/COR
Legal Subdivision	1ST ADD
Legal Block	2
Legal Lot Number	12
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3036
Census Tract	972100

Owner

601 N Mill St, a residential property, is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	601 N MILL ST, FLORA, IL 62839-1939
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 27, 2020	Quit Claim Deed, Transfer Quitclaim
Nov 7, 2017	Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Jul 29, 2021 · Amount on File
Deed Document Number	2025211756
Prior Transfer Date	Apr 23, 2020
Prior Transfer Doc	198825
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jul 29, 2021
Property Address	601 N MILL ST, FLORA, IL 62839-1939
Document Number	202533
Instrument Date	Jul 23, 2021
Instrument	202533
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$221.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 N MILL ST, FLORA, IL 62839-1939

Mortgage

Document Number	202534
Date	Jul 29, 2021
Instrument	202534

Lender

Name	MORTGAGE RESEARCH CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record

Interest

Rate	2.63%

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Apr 27, 2020
Property Address	601 N MILL ST, FLORA, IL 62839-1939
Document Number	198825
Instrument Date	Apr 23, 2020
Instrument	198825
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
Address	601 N MILL ST, 601, FLORA, IL 62839-1939

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	601 N MILL ST, FLORA, IL 62839-1939

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Nov 7, 2017
Property Address	601 N MILL ST, FLORA, IL 62839-1939
Document Number	D192902
Instrument Date	Nov 3, 2017
Instrument	D192902
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$187.50
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	601 N MILL ST, FLORA, IL 62839-1939

Mortgage

Document Number	D192903
Date	Nov 7, 2017
Instrument	D192903

Lender

Name	CLAY CITY BANKING CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 25, 2022

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	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$62,321 (+11.45%) Land $3,563 Building $58,758	$186,963 (+11.45%) Land $10,689 Building $176,274
2024		$55,918 Land $3,197 Building $52,721	$167,754 Land $9,591 Building $158,163
2022	$3,917.00 (+32.11%) Homeowner's exemption	$47,140 Land $2,619 Building $44,521	$141,420 Land $7,857 Building $133,563
2021	$2,965.00

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

FEMA maps place 601 N Mill St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

The area around 601 N Mill St has no burnable land within ember reach, so its wildfire risk is not rated.

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 440 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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