110 Shady St, Flora, IL 62839 Property Records

Clay County property record for 110 Shady St, Flora, IL 62839

Property Summary

Property Type	Commercial
Lot Size	0.134 acres (5,850 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Dec 2025)
Tax Bill	$253 (2025)
Deeds & Mortgages	Dec 2025 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-25-236-019`

Property Details

APN / Parcel Number

Primary APN	`10-25-236-019`

Exterior

Lot Area	5,850 sqft (0.134 acres)

Location & Zoning

Street Address	110 SHADY ST
City	FLORA
State	IL
Zip	62839
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	S C JAMES ADDN LOT 19
Legal Subdivision	S C JAMES ADD
Legal Lot Number	19
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3089
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	100 CHERRY DR, FLORA, IL 62839-4299
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on Record
Deed Sale	Dec 30, 2025 · Amount on Record
Deed Document Number	202513266
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 30, 2025
Property Address	110 SHADY ST, FLORA, IL 62839
Document Number	0000213266
Instrument Date	Dec 18, 2025
Instrument	213266
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$112.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 CHERRY DR, FLORA, IL 62839-4299

Mortgage

Document Number	0000213267
Date	Dec 30, 2025
Instrument	213267

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Dec 18, 2030

Interest

Rate Type	Fixed Rate
Rate	7.25%

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	$253.00 (-5.6%)	$3,305 (-) Land $1,758 Building $1,547	$9,915 (-) Land $5,274 Building $4,641
2024	$268.00 (-3.94%)	$3,305 (+12.57%) Land $1,758 Building $1,547	$9,915 (+12.57%) Land $5,274 Building $4,641
2022	$279.00 (+7.31%)	$2,936 Land $1,528 Building $1,408	$8,808 Land $4,584 Building $4,224
2021	$260.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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 274 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
Verizon Fixed Wireless	300 / 20

May also be available: ClearWave, Nextlink, T-Mobile.

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