706 S Stanford Rd, Flora, IL 62839 Property Records

Clay County property record for 706 S Stanford Rd, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	2.23 acres (97,139 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,514 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2025 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-18-100-013`

Property Details

APN / Parcel Number

Primary APN	`15-18-100-013`

Exterior

Lot Area	97,139 sqft (2.23 acres)

Location & Zoning

Street Address	706 S STANFORD RD
City	FLORA
State	IL
Zip	62839-3936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SEC 18-2-7 270' X 360' LYING 60' S OF NW/COR SW NW 2.23 AC
Legal Range	07
Legal Township	02
Legal Section	18
Jurisdiction	CLAY IL
Township / Civil Division	STANFORD
Census Block Group	1
Census Block	1100
Census Tract	972200

Owner

706 S Stanford Rd is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	706 S STANFORD RD, FLORA, IL 62839-3936
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
May 6, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
May 8, 2017	Deed of Trust, Mortgage · Conventional Mortgage LAND OF LINCOLN CU
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Sep 16, 2026
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Document Number	0000001653
Instrument Date	Aug 17, 2026
Instrument	20261653
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	WFG LENDER SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001653,
Date	Sep 16, 2026
Instrument	20261653

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 17, 2056

Interest

Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Transaction Type	Mortgage
Record Updated	Nov 5, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212759
Date	Oct 10, 2025
Instrument	212759

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2055

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Transaction Type	Mortgage
Record Updated	May 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209422
Date	May 6, 2024
Instrument	209422

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2054

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Transaction Type	Mortgage
Record Updated	Feb 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200976
Date	Jan 28, 2021
Instrument	200976

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2036

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D191643
Date	May 8, 2017
Instrument	D191643

Lender

Name	LAND OF LINCOLN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	706 S STANFORD RD, FLORA, IL 62839-3936
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D196906
Date	Jun 27, 2019
Instrument	D196906

Lender

Name	BANK OF AMERICA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 706 S Stanford Rd was $2,514 with a homeowner's exemption, up 6.8% 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	Stanford Township
Unified School District	Flora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,514.00 (+6.84%) Homeowner's exemption	$55,190 Land $4,587 Building $50,603	$165,570 Land $13,761 Building $151,809
2024	$2,353.00
2022	$2,108.00 (+0.43%) Homeowner's exemption	$37,203 Land $3,443 Building $33,760	$111,609 Land $10,329 Building $101,280
2021	$2,099.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 706 S Stanford Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1999)
Most Recent Claim	Jun 1999 · 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 706 S Stanford Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wabash Communications Fiber	1,000 / 1,000

May also be available: Nextlink.

Cell Coverage

5G (outdoors only) and 4G LTE

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