803 N Mill St, Flora, IL 62839 Property Records

Clay County property record for 803 N Mill St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 888 sqft · built 1950
Lot Size	0.126 acres (5,514 sqft)
Owner	Individual Name on Record
Last Sale	$67,500 (Nov 2019)
Tax Bill	$2,127 (2025)
Deeds & Mortgages	Sep 2017 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-119-009`

Property Details

APN / Parcel Number

Primary APN	`10-25-119-009`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Living Area
Basement Area	704 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	5,514 sqft (0.126 acres)
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	30 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	803 N MILL ST
City	FLORA
State	IL
Zip	62839-1825
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	HOSPITAL ADDN LOT 13
Legal Subdivision	HOSPITAL ADD
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3033
Census Tract	972100

Owner

Source: Clay County records, as of October 15, 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	803 N MILL ST, FLORA, IL 62839-1825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2017	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage DIETERICH BANK
Sep 23, 2022	Deed of Trust, Mortgage · Line of Credit FLORA BANK & TRUST
Nov 14, 2022	Warranty Deed, Transfer · Line of Credit FIRST COMMUNITY BANK
Nov 22, 2019	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2019 · Amount on Record
Deed Sale	Nov 22, 2019 · Amount on Record
Deed Document Number	20197875
Record Updated	Oct 29, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	803 N MILL ST, FLORA, IL 62839-1825
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D192509
Date	Sep 13, 2017
Instrument	D192509

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 1, 2022

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	803 N MILL ST, FLORA, IL 62839-1825
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201417
Date	Mar 30, 2021
Instrument	201417

Lender

Name	DIETERICH BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 16, 2036

Interest

Rate Type	Fixed Rate

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	803 N MILL ST, FLORA, IL 62839-1825
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205730
Date	Sep 23, 2022
Instrument	205730

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 21, 2023

Interest

Rate Type	Fixed Rate

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 14, 2022
Property Address	803 N MILL ST, FLORA, IL 62839-1825
Document Number	0000206071
Instrument Date	Sep 30, 2022
Instrument	206071
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$127.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	803 N MILL ST, FLORA, IL 62839-1825

Mortgage

Document Number	0000206072
Date	Nov 14, 2022
Instrument	206072

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Nov 30, 2027

Interest

Rate Type	Fixed Rate
Rate	7%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 22, 2019
Property Address	803 N MILL ST, FLORA, IL 62839-1825
Document Number	000D197875
Instrument Date	Nov 15, 2019
Instrument	D197875
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$101.25
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	803 N MILL ST, FLORA, IL 62839-1825

Mortgage

Document Number	000D197876
Date	Nov 22, 2019
Instrument	D197876

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 15, 2025

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$2,127.00 (+7.53%) Homeowner's exemption	$33,789 (+78.87%) Land $3,563 Building $30,226	$101,367 (+78.87%) Land $10,689 Building $90,678
2024	$1,978.00 (+61.21%)
2022	$1,227.00 (+10.24%) Homeowner's exemption	$18,890 Land $2,708 Building $16,182	$56,670 Land $8,124 Building $48,546
2021	$1,113.00

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	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

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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