Clay County property record for 624 W 3rd St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1.5 ba · 1,660 sqft · built 1910 |
| Lot Size | 0.328 acres (14,327 sqft) |
| Owner | Individual Name on File |
| Last Sale | $123,500 (Apr 2023) |
| Tax Bill | $2,802 (2024) |
| Deeds & Mortgages | Jun 2023 Mortgage May 2023 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-405-010 |
| Primary APN | 10-26-405-010 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,660 sqft Living Area |
| Basement Area | 889 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Roof Material | Shingle |
| Lot Area | 14,327 sqft (0.328 acres) |
| Garage Area | 1,040 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 1,716 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 95 sqft |
| Deck Area | 64 sqft |
| Patio Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 624 W 3RD ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1208 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | J M AMRIN'S SUB DIV BLOCK 1 LOTS 4 & 5 |
| Legal Subdivision | J M AMRINS SUB DIV |
| Legal Block | 1 |
| Legal Lot Number | 4-5 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1047 |
| Census Tract | 972100 |
Source: Clay County records · APN 10-26-405-010
Assessment roll updated September 5, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 09, 2023 | Deed of Trust, Mortgage · Conventional Mortgage OPEN MORTGAGE LLC |
| May 19, 2023 | Deed of Trust, Mortgage · Conventional Mortgage OPEN MORTGAGE LLC |
| Apr 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage OPEN MORTGAGE LLC |
| Jun 17, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on Record |
| Deed Sale | Apr 11, 2023 · Amount on Record |
| Prior Sale | Sep 05, 2014 · Amount on Record |
| Deed Document Number | 2023207006 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Transaction Type | Mortgage |
| Record Updated | Jul 05, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000207412 |
|---|---|
| Date | Jun 09, 2023 |
| Instrument | 207412 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000207278 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 207278 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Apr 11, 2023 |
| Property Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Document Number | 0000207006 |
| Instrument Date | Apr 05, 2023 |
| Instrument | 207006 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $185.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Document Number | 0000207007 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 207007 |
| Name | OPEN MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 624 W 3RD ST, FLORA, IL 62839-1208 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2020 |
| Name | Verified Name |
|---|
| Document Number | 199242 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 199242 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 2026
| 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $45,069 (+11.45%) Land $5,544 Building $39,525 | $135,207 (+11.45%) Land $16,632 Building $118,575 | |
| 2024 | $2,802.00 (+16.8%) | $40,438 (+29.61%) Land $4,974 Building $35,464 | $121,314 (+29.61%) Land $14,922 Building $106,392 |
| 2022 | $2,399.00 (+9.79%) Homeowner's exemption | $31,199 Land $4,206 Building $26,993 | $93,597 Land $12,618 Building $80,979 |
| 2021 | $2,185.00 |
Source: FEMA National Flood Hazard Layer, Clay County (17025C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 350 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Wabash Telephone Cooperative Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Delta Communications.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FLORA serves 5,233 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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