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

Clay County property record for 613 W 12th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	3 ba · 2,047 sqft · built 1999
Lot Size	1.09 acres (47,480 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Dec 2025)
Tax Bill	$7,905 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-201-016`

Property Details

APN / Parcel Number

Primary APN	`10-26-201-016`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,047 sqft Living Area
Attic	Attic
Attic Area	2,047 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	47,480 sqft (1.09 acres)
Garage Area	3,032 sqft
Driveway	Concrete Driveway
Driveway Area	492 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	668 sqft
Deck Area	664 sqft
Balcony Area	185 sqft
Pole Barn	2,400 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	613 W 12TH ST
City	FLORA
State	IL
Zip	62839-1066
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	JOE JOHNSON'S 1ST ADDN PT OUT LOT A 150' X 317.24' LYING162.85' E OF NW/COR 1.09 AC
Legal Subdivision	JOE JOHNSONS 1ST ADD
Legal Lot Number	A
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1017
Census Tract	972100

Owner

613 W 12th St, a residential property, is owned and occupied by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	613 W 12TH ST, FLORA, IL 62839-1066
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2025 · Amount on File
Deed Sale	Dec 2, 2025 · Amount on File
Deed Document Number	202513090
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	613 W 12TH ST, FLORA, IL 62839-1066
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213091
Date	Dec 2, 2025
Instrument	213091

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 613 W 12th St was $7,905 with a homeowner's exemption, up 1.9% from the year before.

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	$7,905.00 (+1.88%) Homeowner's exemption	$119,735 (+18.12%) Land $9,766 Building $109,969	$359,205 (+18.12%) Land $29,298 Building $329,907
2024	$7,759.00	$101,363 Land $8,763 Building $92,600	$304,089 Land $26,289 Building $277,800
2022	$7,572.00 (+9.47%) Homeowner's exemption	$85,514 Land $7,316 Building $78,198	$256,542 Land $21,948 Building $234,594
2021	$6,917.00

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 613 W 12th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 613 W 12th St 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 96% of the US · lower than 74% 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 31 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