Clay County property record for 317 W 3rd St, Flora, IL 62839 · Last verified July 2026
| Property Type | Vacant Land |
|---|---|
| Details | built 2007 |
| Lot Size | 0.231 acres (10,079 sqft) |
| Owner | 2 Individual Names on File |
| Deeds & Mortgages | Nov 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-421-004 |
| Primary APN | 10-26-421-004 |
|---|
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Lot Area | 10,079 sqft (0.231 acres) |
| Street Address | 317 W 3RD ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1205 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | M H PRESLEY'S 1ST ADDN BLOCK 4 ALL LOT 9 & FR LOT 10 |
| Legal Subdivision | M H PRESLEYS 1ST ADD |
| Legal Block | 4 |
| Legal Lot Number | 9-10 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1046 |
| Census Tract | 972100 |
Source: Clay County records · APN 10-26-421-004
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 W 3RD ST, FLORA, IL 62839-1205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 317 W 3RD ST, FLORA, IL 62839-1205 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000208458 |
|---|---|
| Date | Nov 27, 2023 |
| Instrument | 208458 |
| Name | FLORA BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 03, 2028 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8% |
Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,563 (+35.06%) Land $3,563 | $10,689 (+35.06%) Land $10,689 | |
| 2022 | Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption | $2,638 Land $2,638 | $7,914 Land $7,914 |
Source: FEMA National Flood Hazard Layer, Clay County (17025C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| 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 |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 192 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 / 500 |
| Verizon | Fixed Wireless | 300 / 20 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: T-Mobile USA, Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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