319 Fair Ave, Flora, IL 62839 Property Records

Clay County property record for 319 Fair Ave, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on Record
Tax Bill	$914 (2025)
Deeds & Mortgages	May 2022 Mortgage Oct 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-36-101-144`

Property Details

APN / Parcel Number

Primary APN	`10-36-101-144`

Location & Zoning

Street Address	319 FAIR AVE
City	FLORA
State	IL
Zip	62839-2237
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR ADDN LOTS 122 123 124
Legal Subdivision	FAIR ADD
Legal Lot Number	122-124
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2075
Census Tract	972100

Owner

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	319 FAIR AVE, FLORA, IL 62839-2237
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK
Oct 31, 2017	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2016
Deed Sale	Mar 14, 2016
Prior Sale	Jan 21, 2016 · Amount on Record
Deed Document Number	2016188368
Prior Transfer Date	Nov 9, 2015
Prior Transfer Doc	D187575
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	319 FAIR AVE, FLORA, IL 62839-2237
Transaction Type	Mortgage
Record Updated	Jun 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204899
Date	May 31, 2022
Instrument	204899

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 25, 2027

Interest

Rate Type	Fixed Rate

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	319 FAIR AVE, FLORA, IL 62839-2237
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D192860
Date	Oct 31, 2017
Instrument	D192860

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Sep 25, 2020

Interest

Rate Type	Fixed Rate

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	319 FAIR AVE, FLORA, IL 62839-2237
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D196477
Date	Apr 23, 2019
Instrument	D196477

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 23, 2024

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$914.00 (+11.33%) Homeowner's exemption	$17,938 (+11.45%) Land $5,939 Building $11,999	$53,814 (+11.45%) Land $17,817 Building $35,997
2024	$821.00 (+14.19%)	$16,095 (+18.71%) Land $5,329 Building $10,766	$48,285 (+18.71%) Land $15,987 Building $32,298
2022	$719.00 (+10.79%) Homeowner's exemption	$13,558 Land $4,466 Building $9,092	$40,674 Land $13,398 Building $27,276
2021	$649.00

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

Flood

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.

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 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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