Clay County property record for 307 Summer St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $8,500 (Jan 2014) |
| Tax Bill | $9,158 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-315-037 |
| Primary APN | 10-26-315-037 |
|---|
| Lot Area | 13,939 sqft (0.32 acres) |
|---|
| Street Address | 307 SUMMER ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-4182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SOMERSET SUBDIV LOT 37 |
| Legal Subdivision | SOMERSET SUB |
| Legal Lot Number | 37 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 972100 |
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 | PO BOX 335, FLORA, IL 62839-0335 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 22, 2014 · Amount on Record |
| Deed Sale | Jan 22, 2014 · Amount on Record |
| Deed Document Number | 2014182367 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 307 SUMMER ST, FLORA, IL 62839-4182 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000203629 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 203629 |
| Name | FLORA BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Dec 6, 2022 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of October 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,158.00 (-3.97%) Homeowner's exemption | $130,627 (+4,378.13%) Land $4,012 Building $126,615 | $391,881 (+4,378.13%) Land $12,036 Building $379,845 |
| 2024 | $9,537.00 (+3,342.96%) | ||
| 2022 | $277.00 (+9.06%) | $2,917 Land $2,917 | $8,751 Land $8,751 |
| 2021 | $254.00 |
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.
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.
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.
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 |
| 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.
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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