785 Clover Ln, Flora, IL 62839 Property Records

Clay County property record for 785 Clover Ln, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,884 sqft · built 1977
Lot Size	2.12 acres (92,347 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jul 2015)
Tax Bill	$3,275 (2024)
Deeds & Mortgages	Jun 2026 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15-17-200-004`

Property Details

APN / Parcel Number

Primary APN	`15-17-200-004`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,884 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	92,347 sqft (2.12 acres)
Garage Area	1,824 sqft
Driveway	Asphalt Driveway
Driveway Area	600 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	360 sqft
Deck Area	196 sqft
Balcony Area	97 sqft
Lean-To	252 sqft
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	785 CLOVER LN
City	FLORA
State	IL
Zip	62839-4018
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SEC 17-2-7 2.12 AC SW/COR NE NE 2.12 AC
Legal Range	07
Legal Township	02
Legal Section	17
Jurisdiction	CLAY IL
Township / Civil Division	STANFORD
Census Block Group	1
Census Block	1097
Census Tract	972200

Owner

Source: Clay County records, as of July 20, 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 Record
Mailing Address	785 CLOVER LN, FLORA, IL 62839-4018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2015 · Amount on Record
Deed Sale	Jul 21, 2015 · Amount on Record
Prior Sale	Dec 31, 2013 · Amount on Record
Deed Document Number	2015186603
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Jun 16, 2026
Property Address	785 CLOVER LN, FLORA, IL 62839-4018
Document Number	0000001134
Instrument Date	Jun 10, 2026
Instrument	20261134
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 CLOVER LN, FLORA, IL 62839-4018

Mortgage

Document Number	0000001134,
Date	Jun 16, 2026
Instrument	20261134

Lender

Name	CLAY COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 21, 2031

Interest

Rate	7.25%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	785 CLOVER LN, FLORA, IL 62839-4018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200495
Date	Nov 23, 2020
Instrument	200495

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 5, 2025

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		$86,241 (+72.09%) Land $4,413 Building $81,828	$258,723 (+72.09%) Land $13,239 Building $245,484
2024	$3,275.00 (+9.9%)
2022	$2,980.00 (+0.34%) Homeowner's exemption	$50,114 Land $3,313 Building $46,801	$150,342 Land $9,939 Building $140,403
2021	$2,970.00

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

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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 6 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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