Clay County property record for 309 S Main St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Details | built 1990 |
| Lot Size | 0.332 acres (14,463 sqft) |
| Owner | Individual Name on File |
| Last Sale | $56,000 (Oct 2018) |
| Tax Bill | $1,658 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-337-007 |
| Primary APN | 10-25-337-007 |
|---|
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 14,463 sqft (0.332 acres) |
| Street Address | 309 S MAIN ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ORIGINAL TOWN BLOCK 36 LOTS 7 & 8 |
| Legal Subdivision | CITY FLORA |
| Legal Block | 36 |
| Legal Lot Number | 7-8 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2047 |
| Census Tract | 972100 |
309 S Main St is owned and occupied by an individual who bought it in October 2018.
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 | 309 S MAIN ST, FLORA, IL 62839-1738 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2018 · Amount on File |
| Deed Sale | Oct 1, 2018 · Amount on File |
| Deed Document Number | 2018195163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Oct 1, 2018 |
| Property Address | 309 S MAIN ST, FLORA, IL 62839-1738 |
| Document Number | D195163 |
| Instrument Date | Sep 20, 2018 |
| Instrument | D195163 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $84.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 S MAIN ST, FLORA, IL 62839-1738 |
| Document Number | D195164 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | D195164 |
| Name | CLAY CITY BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Nov 6, 2023 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 309 S Main St was $1,658 with a homeowner's exemption, up 8.3% from the year before.
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 | $1,658.00 (+8.3%) Homeowner's exemption | $27,658 Land $5,544 Building $22,114 | $82,974 Land $16,632 Building $66,342 |
| 2024 | $1,531.00 | ||
| 2022 | $1,423.00 (+10.14%) Homeowner's exemption | $20,949 Land $4,193 Building $16,756 | $62,847 Land $12,579 Building $50,268 |
| 2021 | $1,292.00 |
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.
FEMA maps place 309 S Main St in Zone X, an area of minimal flood risk.
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 |
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.
The area around 309 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 346 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 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ClearWave.
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