621 S Mill St, Flora, IL 62839 Property Records

Clay County property record for 621 S Mill St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 882 sqft · built 1928
Lot Size	0.142 acres (6,206 sqft)
Owner	Company Name on File
Last Sale	$35,000 (Apr 2021)
Tax Bill	$527 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`10-25-357-004`

Property Details

APN / Parcel Number

Primary APN	`10-25-357-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	882 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,206 sqft (0.142 acres)
Porch	Slab
Porch Area	182 sqft

Location & Zoning

Street Address	621 S MILL ST
City	FLORA
State	IL
Zip	62839-2177
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	E J DULANEY'S ASSESSOR'S SUB DIV LOT 16 SUB LOT 2
Legal Subdivision	E J DULANEYS ASSESSORS SUB
Legal Lot Number	2,16
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2056
Census Tract	972100

Owner

621 S Mill St, a residential property, is owned by a company that bought it in April 2021 and is owner-occupied.

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

Owner of Record	Company Name on File
Mailing Address	133 E 6TH ST, FLORA, IL 62839-1936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

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
Mar 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO
Apr 20, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2021 · Amount on File
Deed Sale	Apr 20, 2021 · Amount on File
Prior Sale	May 9, 2012 · Amount on File
Deed Document Number	2021201609
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	621 S MILL ST, FLORA, IL 62839-2177
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D196264
Date	Mar 22, 2019
Instrument	D196264

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Mar 15, 2024

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 20, 2021
Property Address	621 S MILL ST, FLORA, IL 62839-2177
Document Number	0000201609
Map Reference	PB A PG 474-475
Instrument Date	Apr 16, 2021
Instrument	201609
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
Tax	$52.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E 6TH ST, FLORA, IL 62839-1936
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 621 S Mill St was $527 with a homeowner's exemption, down 43.9% 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	$527.00 (-43.94%) Homeowner's exemption	$12,884 Land $1,980 Building $10,904	$38,652 Land $5,940 Building $32,712
2024	$940.00
2022	$352.00 (+12.46%) Homeowner's exemption	$9,706 Land $1,444 Building $8,262	$29,118 Land $4,332 Building $24,786
2021	$313.00

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 621 S Mill St in Zone X, an area of minimal flood risk.

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

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 621 S Mill 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 98% of the US · lower than 86% 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 346 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 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ClearWave.

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