120 W 3rd St, Flora, IL 62839 Property Records

Clay County property record for 120 W 3rd St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,179 sqft · built 1928
Lot Size	0.165 acres (7,214 sqft)
Owner	2 Individual Names on Record
Last Sale	$55,000 (Mar 2014)
Tax Bill	$1,649 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-302-008`

Property Details

APN / Parcel Number

Primary APN	`10-25-302-008`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	1,179 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,214 sqft (0.165 acres)
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	216 sqft
Deck Area	350 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	120 W 3RD ST
City	FLORA
State	IL
Zip	62839-1501
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ORIGINAL TOWN BLOCK 5 LOT 10
Legal Subdivision	ORIGINAL TOWN NOW
Legal Block	5
Legal Lot Number	10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3079
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	2 Individual Names on Record
Mailing Address	120 W 3RD ST, FLORA, IL 62839-1501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Deed of Trust, Mortgage · FHA Mortgage RUOFF MORTGAGE CO INC
Nov 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2014 · Amount on Record
Deed Sale	Mar 26, 2014 · Amount on Record
Prior Sale	Feb 23, 2010 · Amount on Record
Deed Document Number	2014182855
Last Transfer Date	Apr 7, 2014
Transfer Doc	D182956
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	120 W 3RD ST, FLORA, IL 62839-1501
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205001
Date	Jun 10, 2022
Instrument	205001

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	120 W 3RD ST, FLORA, IL 62839-1501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200517
Date	Nov 30, 2020
Instrument	200517

Lender

Name	RUOFF MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

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	$1,649.00 (+8.34%) Homeowner's exemption	$27,539 (+11.45%) Land $4,355 Building $23,184	$82,617 (+11.45%) Land $13,065 Building $69,552
2024	$1,522.00 (+7.56%)	$24,710 (+18.41%) Land $3,908 Building $20,802	$74,130 (+18.41%) Land $11,724 Building $62,406
2022	$1,415.00 (+10.12%) Homeowner's exemption	$20,868 Land $3,301 Building $17,567	$62,604 Land $9,903 Building $52,701
2021	$1,285.00

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	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.

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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