Clay County property record for 102 Flora Ave, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,288 sqft · built 1916 |
| Lot Size | 0.162 acres (7,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $65,000 (Oct 2020) |
| Tax Bill | $1,650 (2024) |
| Deeds & Mortgages | Oct 2019 Mortgage Oct 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-36-101-081 |
| Primary APN | 10-36-101-081 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Attic | Attic |
| Attic Area | 1,288 sqft |
| Basement Area | 1,288 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1916 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Material | Shingle |
| Lot Area | 7,068 sqft (0.162 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 60 sqft |
| Heating System | Central |
|---|
| Street Address | 102 FLORA AVE |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2220 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | FAIR ADDN LOT 105 |
| Legal Subdivision | FAIR ADD |
| Legal Lot Number | 105 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2078 |
| Census Tract | 972100 |
Source: Clay County records · APN 10-36-101-081
Assessment roll updated September 5, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 102 FLORA AVE, FLORA, IL 62839-2220 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 04, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO |
| Oct 09, 2020 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 09, 2020 · Amount on Record |
| Deed Sale | Oct 09, 2020 · Amount on Record |
| Prior Sale | Aug 12, 2014 · Amount on Record |
| Deed Document Number | 2020133 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 102 FLORA AVE, FLORA, IL 62839-2220 |
| Transaction Type | Mortgage |
| Record Updated | Jun 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 000D197543 |
|---|---|
| Date | Oct 04, 2019 |
| Instrument | D197543 |
| Name | CLAY CITY BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Oct 01, 2020 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Oct 09, 2020 |
| Property Address | 102 FLORA AVE, FLORA, IL 62839-2220 |
| Document Number | 0000200133 |
| Instrument Date | Oct 09, 2020 |
| Instrument | 200133 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $97.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 102 FLORA AVE, FLORA, IL 62839-2220 |
| Document Number | 0000200134 |
|---|---|
| Date | Oct 09, 2020 |
| Instrument | 200134 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified August 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) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $29,298 (+11.45%) Land $2,772 Building $26,526 | $87,894 (+11.45%) Land $8,316 Building $79,578 | |
| 2024 | $1,650.00 (+7%) | $26,288 (+18.4%) Land $2,487 Building $23,801 | $78,864 (+18.4%) Land $7,461 Building $71,403 |
| 2022 | $1,542.00 (+9.99%) Homeowner's exemption | $22,202 Land $2,103 Building $20,099 | $66,606 Land $6,309 Building $60,297 |
| 2021 | $1,402.00 |
Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Wabash Telephone Cooperative Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Delta Communications.
Based on FCC filings for 157 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FLORA serves 5,233 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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