620 N Locust St, Flora, IL 62839 Property Records

Clay County property record for 620 N Locust St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2.5 ba · 1,120 sqft · built 1975
Lot Size	0.253 acres (11,020 sqft)
Owner	Individual Name on Record
Last Sale	$134,800 (Sep 2020)
Tax Bill	$4,296 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-133-001`

Property Details

APN / Parcel Number

Primary APN	`10-25-133-001`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,120 sqft Living Area
Basement Area	672 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	11,020 sqft (0.253 acres)
Driveway	Concrete Driveway
Driveway Area	544 sqft

Exterior Amenities

Porch	Slab
Porch Area	63 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	620 N LOCUST ST
City	FLORA
State	IL
Zip	62839-1922
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	MARY E SHEETZ SUB DIV W/2 LOT 5 & ALL LOT 6
Legal Subdivision	MARY E SHEETZ SUB DIV
Legal Lot Number	5-6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3037
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	Individual Name on Record
Mailing Address	620 N LOCUST ST, FLORA, IL 62839-1922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Warranty Deed, Transfer · FHA Mortgage ENDEAVOR CAPITAL LLC
Dec 27, 2018	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	2020199786
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Sep 4, 2020
Property Address	620 N LOCUST ST, FLORA, IL 62839-1922
Document Number	199786
Instrument Date	Aug 26, 2020
Instrument	199786
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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	620 N LOCUST ST, FLORA, IL 62839-1922

Mortgage

Document Number	199787
Date	Sep 4, 2020
Instrument	199787

Lender

Name	ENDEAVOR CAPITAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.63%

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 27, 2018
Property Address	620 N LOCUST ST, FLORA, IL 62839-1922
Document Number	D195745
Instrument Date	Dec 18, 2018
Instrument	D195745
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	QUAD COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
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	620 N LOCUST ST, FLORA, IL 62839-1922

Mortgage

Document Number	000D195746
Date	Dec 27, 2018
Instrument	D195746

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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	$4,296.00 (+6.15%) Homeowner's exemption	$62,118 (+32.08%) Land $5,411 Building $56,707	$186,354 (+32.08%) Land $16,233 Building $170,121
2024	$4,047.00 (+3.58%)
2022	$3,907.00 (+9.59%) Homeowner's exemption	$47,030 Land $4,063 Building $42,967	$141,090 Land $12,189 Building $128,901
2021	$3,565.00

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 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.

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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