Adams County property record for 108 S Franklin St, Clayton, IL 62324
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.43 acres (18,938 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jul 2022) |
| Tax Bill | $3,291 (2024) |
| Deeds & Mortgages | Apr 2024 Mortgage Apr 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010050500000 |
| Primary APN | 010050500000 |
|---|
| Lot Area | 18,938 sqft (0.43 acres) |
|---|
| Street Address | 108 S FRANKLIN ST |
|---|---|
| City | CLAYTON |
| State | IL |
| Zip | 62324-1324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SEC 34 1N5W ORIGINAL SURVEY LOT 80 & -EX S 13FT- LOT 81 |
| Legal Range | 05W |
| Legal Township | 01N |
| Legal Section | 34 |
| Legal Subdivision | ORIGINAL PLAT OF THE VILLAGE OF CLAYTON |
| Legal Lot Number | 80-81 |
| Jurisdiction | ADAMS IL |
| Township / Civil Division | CLAYTON |
| Census Block Group | 4 |
| Census Block | 4020 |
| Census Tract | 10200 |
108 S Franklin St is owned and occupied by an individual who bought it in July 2022.
Source: Adams County records, as of May 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 S FRANKLIN ST, CLAYTON, IL 62324-1324 |
| 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.
| Date | Document |
|---|---|
| Apr 8, 2024 | Deed of Trust, Mortgage HUD |
| Apr 25, 2023 | Deed of Trust, Mortgage HUD |
| Jul 6, 2022 | Warranty Deed, Transfer · FHA Mortgage UNITED COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on File |
| Deed Sale | Jul 6, 2022 · Amount on File |
| Deed Document Number | 20224938 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 108 S FRANKLIN ST, CLAYTON, IL 62324-1324 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 2024R02053 |
|---|---|
| Date | Apr 8, 2024 |
| Instrument | 2024R-02053 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 336 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS IL |
| Property Address | 108 S FRANKLIN ST, CLAYTON, IL 62324-1324 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 2023R02291 |
|---|---|
| Date | Apr 25, 2023 |
| Instrument | 2023R-02291 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|---|
| Term | 348 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS IL |
| Recording Date | Jul 6, 2022 |
| Property Address | 108 S FRANKLIN ST, CLAYTON, IL 62324-1324 |
| Document Number | 2022R04938 |
| Instrument Date | Jul 5, 2022 |
| Instrument | 2022R-04938 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $225.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 108 S FRANKLIN ST, CLAYTON, IL 62324-1324 |
| Document Number | 2022R04939 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 2022R-04939 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 5.75% |
|---|
Source: Adams County assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Adams County |
| County Subdivision | Clayton Township |
| Municipality | Clayton Village |
| Unified School District | Central CUSD 3 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $57,990 (+8.01%) Land $2,820 Building $55,170 | $173,970 (+8.01%) Land $8,460 Building $165,510 | |
| 2024 | $3,291.00 | $53,690 Land $2,610 Building $51,080 | $161,070 Land $7,830 Building $153,240 |
| 2022 | $35,330 Land $2,310 Building $33,020 | $105,990 Land $6,930 Building $99,060 | |
| 2021 | $1,189.00 |
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.
FEMA maps place 108 S Franklin St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 23, 2018
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 108 S Franklin St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 | CLAYTON serves 709 people · EPA ID IL0010100 |
|---|---|
| Water Source | Purchased groundwater from CLAYTON-CAMP POINT WATER COMMISSION |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Adams Telsystems Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 800 / 400 |
| T-Mobile Fixed Wireless | 100 / 20 |
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