717 N Mill St, Flora, IL 62839 Property Records

Clay County property record for 717 N Mill St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,190 sqft · built 1948
Lot Size	0.169 acres (7,375 sqft)
Owner	Individual Name on File
Last Sale	$47,500 (Mar 2019)
Tax Bill	$1,466 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-124-004`

Property Details

APN / Parcel Number

Primary APN	`10-25-124-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,190 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,375 sqft (0.169 acres)
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	183 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	717 N MILL ST
City	FLORA
State	IL
Zip	62839-1824
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	DURLAND BROS 1ST ADDN BLOCK 3 S/2 LOTS 1 & 2
Legal Subdivision	1ST ADD
Legal Block	3
Legal Lot Number	1-2
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3033
Census Tract	972100

Owner

717 N Mill St, a residential property, is owned and occupied by an individual who acquired it in March 2021.

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

Owner of Record	Individual Name on File
Mailing Address	717 N MILL ST, FLORA, IL 62839-1824
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
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit FLORA BANK & TRUST
Mar 22, 2021	Quit Claim Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST
Mar 25, 2019	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 25, 2019 · Amount on File
Deed Sale	Mar 25, 2019 · Amount on File
Deed Document Number	20196267
Last Transfer Date	Mar 15, 2021
Transfer Doc	201343
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	717 N MILL ST, FLORA, IL 62839-1824
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207670
Date	Jul 24, 2023
Instrument	207670

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Sep 25, 2028

Interest

Rate Type	Fixed Rate
Rate	7.5%

March 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Mar 22, 2021
Property Address	717 N MILL ST, FLORA, IL 62839-1824
Document Number	201343
Instrument Date	Mar 15, 2021
Instrument	201343
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 N MILL ST, FLORA, IL 62839-1824

Mortgage

Document Number	201344
Date	Mar 22, 2021
Instrument	201344

Lender

Name	FLORA BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4.25%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 25, 2019
Property Address	717 N MILL ST, FLORA, IL 62839-1824
Document Number	000D196267
Instrument Date	Mar 11, 2019
Instrument	D196267
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.25
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	122 W MAPLE ST, FLORA, IL 62839-1721

Mortgage

Document Number	000D196268
Date	Mar 25, 2019
Instrument	D196268

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 11, 2024

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 717 N Mill St was $1,466 with a homeowner's exemption, up 8.8% 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	$1,466.00 (+8.75%) Homeowner's exemption	$25,151 (+11.45%) Land $3,563 Building $21,588	$75,453 (+11.45%) Land $10,689 Building $64,764
2024	$1,348.00	$22,567 Land $3,197 Building $19,370	$67,701 Land $9,591 Building $58,110
2022	$1,244.00 (+10.28%) Homeowner's exemption	$19,066 Land $2,708 Building $16,358	$57,198 Land $8,124 Building $49,074
2021	$1,128.00

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 717 N Mill St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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

Wildfire risk around 717 N 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 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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