302 Emory St, Flora, IL 62839 Property Records

Clay County property record for 302 Emory St, Flora, IL 62839 · Last verified July 2026

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,880 sqft · built 1997
Lot Size	0.821 acres (35,789 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Jan 2020)
Tax Bill	$3,351 (2024)
Deeds & Mortgages	Jul 2017 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-403-027`

Property Details

APN / Parcel Number

Primary APN	`10-25-403-027`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,880 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	35,789 sqft (0.821 acres)
Garage Area	864 sqft
Driveway	Concrete Driveway
Driveway Area	776 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Deck Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	302 EMORY ST
City	FLORA
State	IL
Zip	62839-2740
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	J L BLACK'S SUB DIV E 482.5' LOT 6
Legal Subdivision	J L BLACKS SUB DIV
Legal Lot Number	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2034
Census Tract	972100

Owner

Source: Clay County records · APN 10-25-403-027

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	302 EMORY ST, FLORA, IL 62839-2740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2017	Deed of Trust, Mortgage · Commercial Mortgage QUICKEN LOANS INC
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	2020198254
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	302 EMORY ST, FLORA, IL 62839-2740
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D192198
Date	Jul 31, 2017
Instrument	D192198

Lender

Name	QUICKEN LOANS INC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	156 Months
Due	Aug 01, 2030

Interest

Rate Type	Fixed Rate

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jan 17, 2020
Property Address	302 EMORY ST, FLORA, IL 62839-2740
Document Number	D198254
Instrument Date	Jan 17, 2020
Instrument	D198254
Transaction Type	Transfer
Record Updated	Sep 07, 2021
Title Company	QUAD COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
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	302 EMORY ST, FLORA, IL 62839-2740

Mortgage

Document Number	000D198255
Date	Jan 17, 2020
Instrument	D198255

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2050

Interest

Rate Type	Fixed Rate

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$58,162 (+32.09%) Land $2,375 Building $55,787	$174,486 (+32.09%) Land $7,125 Building $167,361
2024	$3,351.00 (+6.55%)
2022	$3,145.00 (+9.97%) Homeowner's exemption Senior Citizen's exemption	$44,033 Land $1,762 Building $42,271	$132,099 Land $5,286 Building $126,813
2021	$2,860.00

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 170259721002, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low above 4% of the US · above 26% of Illinois
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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 346 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 / 100
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

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

Mobile Coverage

5G and 4G LTE

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