632 Austin Ave, Flora, IL 62839 Property Records

Clay County property record for 632 Austin Ave, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 858 sqft · built 1945
Lot Size	0.158 acres (6,895 sqft)
Owner	Company Name on File
Last Sale	$40,000 (Apr 2021)
Tax Bill	$819 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-36-101-032`

Property Details

APN / Parcel Number

Primary APN	`10-36-101-032`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	858 sqft Living Area
Basement Area	858 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Multi-Family
Exterior Material	Other
Roof Material	Shingle
Lot Area	6,895 sqft (0.158 acres)
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Patio Area	360 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	632 AUSTIN AVE
City	FLORA
State	IL
Zip	62839-2734
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	FAIR ADDN PT LOT 41 & S/2 LOT 42
Legal Subdivision	FAIR ADD
Legal Lot Number	41-42
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2061
Census Tract	972100

Owner

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

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

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2025	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Nov 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Mar 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO
Jan 6, 2021	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
Deed Document Number	2021201604
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	632 AUSTIN AVE, FLORA, IL 62839-2734
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000213086
Date	Dec 1, 2025
Instrument	213086

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	60 Months
Due	Nov 30, 2030

Interest

Rate Type	Fixed Rate
Rate	7.25%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	632 AUSTIN AVE, FLORA, IL 62839-2734
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208337
Date	Nov 9, 2023
Instrument	208337

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 5, 2024

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	632 AUSTIN AVE, FLORA, IL 62839-2734
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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	632 AUSTIN AVE, FLORA, IL 62839-2734
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200827
Date	Jan 6, 2021
Instrument	200827

Lender

Name	CLAY CITY BANKING CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 17, 2025

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 20, 2021
Property Address	632 AUSTIN AVE, FLORA, IL 62839-2734
Document Number	0000201604
Map Reference	PB B PG 10
Instrument Date	Apr 16, 2021
Instrument	201604
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount on Record
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

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 632 Austin Ave was $819 with a homeowner's exemption, down 32.8% 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	$819.00 (-32.81%) Homeowner's exemption	$16,701 (+11.45%) Land $1,848 Building $14,853	$50,103 (+11.45%) Land $5,544 Building $44,559
2024	$1,219.00	$14,985 Land $1,658 Building $13,327	$44,955 Land $4,974 Building $39,981
2022	$1,203.00 (+239.83%)	$12,634 Land $1,380 Building $11,254	$37,902 Land $4,140 Building $33,762
2021	$354.00

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 632 Austin Ave 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 632 Austin Ave 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 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 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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