226 Smith Ave, Flora, IL 62839 Property Records

Clay County property record for 226 Smith Ave, Flora, IL 62839 · Last verified July 2026

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,232 sqft · built 1954
Lot Size	0.158 acres (6,907 sqft)
Owner	Individual Name on File
Last Sale	$14,000 (Apr 2023)
Tax Bill	$727 (2024)
Deeds & Mortgages	Apr 2023 Sale & Line of Credit Feb 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`10-26-423-040`

Property Details

APN / Parcel Number

Primary APN	`10-26-423-040`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	6,907 sqft (0.158 acres)
Porch	Slab
Porch Area	140 sqft
Deck Area	48 sqft

Location & Zoning

Street Address	226 SMITH AVE
City	FLORA
State	IL
Zip	62839-1309
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	RANDOLPH SMITH ADDN LOT 54
Legal Subdivision	RANDOLPH SMITH ADD
Legal Lot Number	54
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1082
Census Tract	972100

Owner

Source: Clay County records · APN 10-26-423-040

Assessment roll updated September 5, 2025 · Last verified July 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 File
Mailing Address	663 BUTTONWOOD RD, XENIA, IL 62899-2237
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Warranty Deed, Transfer · Line of Credit FLORA BANKING CO
Feb 27, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 21, 2023 · Amount on Record
Deed Sale	Apr 21, 2023 · Amount on Record
Prior Sale	Feb 27, 2018 · Amount on Record
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 21, 2023
Property Address	226 SMITH AVE, FLORA, IL 62839-1309
Document Number	0000207066
Instrument Date	Apr 18, 2023
Instrument	207066
Transaction Type	Transfer
Record Updated	May 10, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$21.00
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	663 BUTTONWOOD RD, XENIA, IL 62899-2237

Mortgage

Document Number	0000207067
Date	Apr 21, 2023
Instrument	207067

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 20, 2028

Interest

Rate Type	Fixed Rate
Rate	7.75%

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Feb 27, 2018
Property Address	226 SMITH AVE, FLORA, IL 62839-1309
Document Number	000D193610
Instrument Date	Feb 27, 2018
Instrument	D193610
Transaction Type	Transfer
Record Updated	Aug 04, 2022

Transaction

Amount	Amount Recorded
Tax	$42.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 SMITH AVE, FLORA, IL 62839-1309

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$9,964 (-5.24%) Land $1,716 Building $8,248	$29,892 (-5.24%) Land $5,148 Building $24,744
2024	$727.00 (+69.46%)
2022	$429.00 (+11.72%) Homeowner's exemption	$10,515 Land $1,260 Building $9,255	$31,545 Land $3,780 Building $27,765
2021	$384.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (17025C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 149 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Wabash Telephone Cooperative	Fiber	1,000 / 1,000
AMG Technology Investment Group	Fixed Wireless (licensed-by-rule)	500 / 500
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: T-Mobile USA, Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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