209 Adams St, Flora, IL 62839 Property Records

Clay County property record for 209 Adams St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 798 sqft · built 1938
Lot Size	0.16 acres (7,001 sqft)
Owner	2 Individual Names on File
Last Sale	$649,000 (Feb 2022)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-36-102-116`

Property Details

APN / Parcel Number

Primary APN	`10-36-102-116`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	798 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,001 sqft (0.16 acres)
Garage Area	758 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	209 ADAMS AVE
City	FLORA
State	IL
Zip	62839-2254
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	HIGH SCHOOL ADDN BLOCK 6 LOT 46 EX 3' X 34' NW/COR
Legal Subdivision	HIGH SCHOOL ADD
Legal Block	6
Legal Lot Number	46
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2106
Census Tract	972100

Owner

209 Adams St, a residential property, is owned and occupied by two individuals who bought it in February 2022.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	209 ADAMS AVE, FLORA, IL 62839-2254
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Warranty Deed, Transfer · Conventional Mortgage CLAY COUNTY STATE BANK
Aug 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANK & TRUST
Nov 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANK & TRUST
Aug 21, 2020	Special Warranty Deed, Transfer
Dec 4, 2019	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2022 · Amount on File
Deed Sale	Feb 14, 2022 · Amount on File
Prior Sale	Aug 21, 2020 · Amount on File
Deed Document Number	2022204094
Prior Transfer Date	Nov 25, 2019
Prior Transfer Doc	0000007938
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 14, 2022
Property Address	209 ADAMS ST, FLORA, IL 62839-2254
Document Number	0000204094
Instrument Date	Feb 9, 2022
Instrument	204094
Transaction Type	Transfer
Record Updated	Mar 2, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	209 ADAMS ST, FLORA, IL 62839-2254

Mortgage

Document Number	0000204095
Date	Feb 14, 2022
Instrument	204095

Lender

Name	CLAY COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	4%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	209 ADAMS ST, FLORA, IL 62839-2254
Transaction Type	Mortgage
Record Updated	Aug 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202602
Date	Aug 6, 2021
Instrument	202602

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	48 Months
Due	Nov 30, 2021

Interest

Rate Type	Fixed Rate

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	209 ADAMS ST, FLORA, IL 62839-2254
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	200418
Date	Nov 16, 2020
Instrument	200418

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Nov 9, 2021

Interest

Rate Type	Fixed Rate

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Aug 21, 2020
Property Address	209 ADAMS ST, FLORA, IL 62839-2254
Document Number	199694
Instrument Date	Jul 17, 2020
Instrument	199694
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$6.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	327 E 3RD ST, FLORA, IL 62839-2008

December 2019: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IL
Recording Date	Dec 4, 2019
Property Address	209 ADAMS ST, FLORA, IL 62839-2254
Document Number	D197938
Instrument Date	Nov 25, 2019
Instrument	D197938
Transaction Type	Foreclosure
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 209 Adams St was $1,573 with a homeowner's exemption, up 8.5% from the year before.

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	$1,573.00 (+8.48%) Homeowner's exemption	$26,552 Land $1,584 Building $24,968	$79,656 Land $4,752 Building $74,904
2024	$1,450.00
2022	$1,537.00 (+9.32%)	$16,143 Land $1,181 Building $14,962	$48,429 Land $3,543 Building $44,886
2021	$1,406.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 209 Adams St in Zone X, an area of minimal flood risk.

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

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

The area around 209 Adams 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.

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 157 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 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: ClearWave.

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