301 W 8th St, Flora, IL 62839 Property Records

Clay County property record for 301 W 8th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 904 sqft · built 1958
Lot Size	0.361 acres (15,755 sqft)
Owner	Individual Name on File
Tax Bill	$3,754 (2025)
Deeds & Mortgages	Dec 2019 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-226-003`

Property Details

APN / Parcel Number

Primary APN	`10-26-226-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	904 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	15,755 sqft (0.361 acres)
Garage Area	250 sqft
Driveway	Concrete Driveway
Driveway Area	640 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	348 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	301 W 8TH ST
City	FLORA
State	IL
Zip	62839-1004
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	A E BILLINGS 1ST ADDN BLOCK 1 W 2/3 LOT 3
Legal Subdivision	A E BILLINGS 1ST ADD
Legal Block	1
Legal Lot Number	3
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1023
Census Tract	972100

Owner

301 W 8th St, a residential property, is owned and occupied by an individual who acquired it in October 2019.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	301 W 8TH ST, FLORA, IL 62839-1004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANK & TRUST
May 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANK & TRUST
Dec 2, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 30, 2019
Transfer Doc	0000007913
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	301 W 8TH ST, FLORA, IL 62839-1004
Transaction Type	Mortgage
Record Updated	Oct 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D197914
Date	Dec 2, 2019
Instrument	D197914

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Fixed Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	301 W 8TH ST, FLORA, IL 62839-1004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D191735
Date	May 18, 2017
Instrument	D191735

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2032

Interest

Rate Type	Fixed Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	301 W 8TH ST, FLORA, IL 62839-1004
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	199300
Date	Jun 29, 2020
Instrument	199300

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IL
Recording Date	Dec 2, 2019
Property Address	301 W 8TH ST, FLORA, IL 62839-1004
Document Number	D197913
Instrument Date	Oct 30, 2019
Instrument	D197913
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 W 8TH ST, FLORA, IL 62839-1004

Mortgage

Document Number	D197914
Date	Dec 2, 2019
Instrument	D197914

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 301 W 8th St was $3,754 with a homeowner's exemption, up 6.3% 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	$3,754.00 (+6.35%) Homeowner's exemption	$55,038 (+11.45%) Land $3,167 Building $51,871	$165,114 (+11.45%) Land $9,501 Building $155,613
2024	$3,530.00	$49,384 Land $2,842 Building $46,542	$148,152 Land $8,526 Building $139,626
2022	$2,206.00 (+9.81%) Homeowner's exemption	$41,713 Land $2,410 Building $39,303	$125,139 Land $7,230 Building $117,909
2021	$2,009.00

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

Flood

FEMA maps place 301 W 8th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 301 W 8th St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 94% 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 350 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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