206 W 2nd St, Flora, IL 62839 Property Records

Clay County property record for 206 W 2nd St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	0.166 acres (7,262 sqft)
Owner	Company Name on Record
Last Sale	$2,000 (Mar 2015)
Tax Bill	$346 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-303-008`

Property Details

APN / Parcel Number

Primary APN	`10-25-303-008`

Exterior

Lot Area	7,262 sqft (0.166 acres)

Location & Zoning

Street Address	206 W 2ND ST
City	FLORA
State	IL
Zip	62839-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ORIGINAL TOWN BLOCK 13 LOT 8
Legal Subdivision	FLORA
Legal Block	13
Legal Lot Number	8
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3088
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	Company Name on Record
Mailing Address	133 E 6TH ST, FLORA, IL 62839-1936
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
May 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANKING CO
Aug 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANKING CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2015 · Amount on Record
Deed Sale	Mar 12, 2015 · Amount on Record
Deed Document Number	2015185589
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	206 W 2ND ST, FLORA, IL 62839-1602
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D202600096
Date	Jan 15, 2026
Instrument	D202600096

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 31, 2031

Interest

Rate Type	Fixed Rate
Rate	6.75%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	206 W 2ND ST, FLORA, IL 62839-1602
Transaction Type	Mortgage
Record Updated	May 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201760
Date	May 6, 2021
Instrument	201760

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Apr 22, 2034

Interest

Rate Type	Fixed Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	206 W 2ND ST, FLORA, IL 62839-1602
Transaction Type	Mortgage
Record Updated	Aug 28, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D197172
Date	Aug 8, 2019
Instrument	D197172

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 8, 2020

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	$346.00 (-17.22%) Homeowner's exemption	$5,729 (+11.44%) Land $4,355 Building $1,374	$17,187 (+11.44%) Land $13,065 Building $4,122
2024	$418.00 (+1.21%)	$5,141 (+18.4%) Land $3,908 Building $1,233	$15,423 (+18.4%) Land $11,724 Building $3,699
2022	$413.00 (+9.26%)	$4,342 Land $3,301 Building $1,041	$13,026 Land $9,903 Building $3,123
2021	$378.00

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
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 192 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
AT&T Fixed Wireless	100 / 20

May also be available: ClearWave, T-Mobile.

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