Clay County property record for 720 N Locust St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.251 acres (10,947 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,759 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-123-011 |
| Primary APN | 10-25-123-011 |
|---|
| Lot Area | 10,947 sqft (0.251 acres) |
|---|
| Street Address | 720 N LOCUST ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1817 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALONZO HOFF'S SUB DIV BLOCK 9 LOTS 5 & 6 AND W/2 LOT 4 |
| Legal Subdivision | ALONZO HOFFS SUB |
| Legal Block | 9 |
| Legal Lot Number | 4-6 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 3 |
| Census Block | 3038 |
| Census Tract | 972100 |
720 N Locust St 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 | 720 N LOCUST ST, FLORA, IL 62839-1817 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 720 N LOCUST ST, FLORA, IL 62839-1817 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | D192933 |
|---|---|
| Date | Nov 9, 2017 |
| Instrument | D192933 |
| Name | CLAY CITY BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 72 Months |
| Due | Jan 17, 2023 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 720 N Locust St was $3,759 with exemptions applied, down 3.6% from the year before.
Source: Clay County assessment roll, as of October 15, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,759.00 (-3.59%) Homeowner's exemption | $63,156 Land $6,335 Building $56,821 | $189,468 Land $19,005 Building $170,463 |
| 2024 | $3,899.00 | ||
| 2022 | $3,765.00 (+9.61%) Homeowner's exemption | $45,542 Land $4,804 Building $40,738 | $136,626 Land $14,412 Building $122,214 |
| 2021 | $3,435.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 720 N Locust 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 risk around 720 N Locust 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.
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 |
| 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.
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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