295 Summer St, Flora, IL 62839 Property Records

Clay County property record for 295 Summer St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 2,040 sqft · built 2011
Lot Size	0.64 acres (27,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Dec 2016)
Tax Bill	$5,674 (2025)
Deeds & Mortgages	Jun 2022 Transfer Jun 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-26-315-038`

Property Details

APN / Parcel Number

Primary APN	`10-26-315-038`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,040 sqft Living Area
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Multi-Family
Exterior Material	Other
Foundation Type	Raised
Roof Material	Shingle
Lot Area	27,916 sqft (0.64 acres)
Garage Area	1,440 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	295 SUMMER ST
City	FLORA
State	IL
Zip	62839-4184
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SOMERSET SUBDIV LOTS 38 & 45
Legal Subdivision	SOMERSET SUB
Legal Lot Number	38,45
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1052
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	295 SUMMER ST, FLORA, IL 62839-4184
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2022	Transfer on Death Deed, Transfer
Jun 10, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2016 · Amount on Record
Deed Sale	Dec 20, 2016 · Amount on Record
Prior Sale	Jan 25, 2016 · Amount on Record
Deed Document Number	2016190584
Last Transfer Date	Jun 6, 2022
Transfer Doc	0000205008
Record Updated	Oct 29, 2026

June 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLAY IL
Recording Date	Jun 10, 2022
Property Address	295 SUMMER ST, FLORA, IL 62839-4184
Document Number	0000205008
Map Reference	DOC 126406
Instrument Date	Jun 6, 2022
Instrument	205008
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	295 SUMMER ST, FLORA, IL 62839-4184

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IL
Recording Date	Jun 10, 2022
Property Address	295 SUMMER ST, FLORA, IL 62839-4184
Document Number	0000205009
Map Reference	PB H PG 108
Instrument Date	Jun 6, 2022
Instrument	205009
Transaction Type	Transfer
Record Updated	Jun 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	295 SUMMER ST, FLORA, IL 62839-4184

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	$5,674.00 (+5.84%) Homeowner's exemption	$80,117 (+32.51%) Land $8,023 Building $72,094	$240,351 (+32.51%) Land $24,069 Building $216,282
2024	$5,361.00 (+3.37%)
2022	$5,186.00 (+9.55%) Homeowner's exemption	$60,461 Land $5,835 Building $54,626	$181,383 Land $17,505 Building $163,878
2021	$4,734.00

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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 97% of the US · lower than 79% 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 149 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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