825 S State St, Flora, IL 62839 Property Records

Clay County property record for 825 S State St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,232 sqft · built 1979
Lot Size	2.85 acres (124,146 sqft)
Owner	Individual Name on Record
Tax Bill	$2,024 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-100-005`

Property Details

APN / Parcel Number

Primary APN	`10-36-100-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
Basement Area	1,232 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	124,146 sqft (2.85 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	825 S STATE ST
City	FLORA
State	IL
Zip	62839-1766
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SEC 36-3-6 IN CORP PT LOT 4 NW NW 2.85 AC
Legal Range	06
Legal Township	03
Legal Section	36
Legal Lot Number	4
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2080
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	825 S STATE ST, FLORA, IL 62839-1766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Intrafamily Transfer, Transfer · Line of Credit COMMUNITY PARTNER SAVINGS BANK
Jan 3, 2017	Deed of Trust, Mortgage · Commercial Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 7, 2022
Transfer Doc	0000205943
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IL
Recording Date	Oct 24, 2022
Property Address	825 S STATE ST, FLORA, IL 62839-1766
Document Number	0000205943
Map Reference	PR A PG 170
Instrument Date	Oct 7, 2022
Instrument	205943
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5969 KINMUNDY RD, 5969, LOUISVILLE, IL 62858-2858

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	825 S STATE ST, FLORA, IL 62839-1766

Mortgage

Document Number	0000205944
Date	Oct 24, 2022
Instrument	205944

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	825 S STATE ST, FLORA, IL 62839-1766
Transaction Type	Mortgage
Record Updated	Sep 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D190696
Date	Jan 3, 2017
Instrument	D190696

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$2,024.00 (+7.66%) Homeowner's exemption	$32,439 (+32.06%) Land $4,620 Building $27,819	$97,317 (+32.06%) Land $13,860 Building $83,457
2024	$1,880.00 (+6.4%)
2022	$1,767.00 (+9.96%) Homeowner's exemption	$24,563 Land $3,484 Building $21,079	$73,689 Land $10,452 Building $63,237
2021	$1,607.00

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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	Direct burnable vegetation

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 157 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 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ClearWave.

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