320 Austin Ave, Flora, IL 62839 Property Records

Clay County property record for 320 Austin Ave, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 796 sqft · built 1940
Lot Size	0.135 acres (5,901 sqft)
Owner	Individual Name on Record
Last Sale	$53,000 (Jul 2024)
Tax Bill	$470 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Apr 2017 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-328-024`

Property Details

APN / Parcel Number

Primary APN	`10-25-328-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	796 sqft Living Area
Attic	Attic
Attic Area	796 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	5,901 sqft (0.135 acres)
Porch	Porch
Porch Area	104 sqft
Patio Area	120 sqft

Location & Zoning

Street Address	320 AUSTIN AVE
City	FLORA
State	IL
Zip	62839-2717
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	JAY VALBERT'S SUB DIV LOT 6
Legal Subdivision	JAY VALBERTS SUB
Legal Lot Number	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2035
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	Individual Name on Record
Mailing Address	320 AUSTIN AVE, FLORA, IL 62839-2717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNERS SAV BANK
Apr 27, 2017	Deed, Transfer
Apr 27, 2017	Deed, Transfer · Commercial Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2024 · Amount on Record
Deed Sale	Jul 29, 2024 · Amount on Record
Prior Sale	Apr 27, 2017 · Amount on Record
Deed Document Number	2024209987
Prior Transfer Date	Oct 4, 2005
Prior Transfer Doc	155211
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	320 AUSTIN AVE, FLORA, IL 62839-2717
Transaction Type	Mortgage
Record Updated	Sep 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D197249
Date	Aug 19, 2019
Instrument	D197249

Lender

Name	COMMUNITY PARTNERS SAV BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2034

Interest

Rate Type	Adjustable Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Apr 27, 2017
Property Address	320 AUSTIN AVE, FLORA, IL 62839-2717
Document Number	D191537
Instrument Date	Apr 24, 2017
Instrument	D191537
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.25
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	320 AUSTIN AVE, FLORA, IL 62839-2717
Investor	Possibly a Property Investor

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Apr 27, 2017
Property Address	320 AUSTIN AVE, FLORA, IL 62839-2717
Document Number	D191537
Instrument Date	Apr 24, 2017
Instrument	D191537
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.25
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	320 AUSTIN AVE, FLORA, IL 62839-2717
Investor	Possibly a Property Investor

Mortgage

Document Number	D191538
Date	Apr 27, 2017
Instrument	D191538

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$470.00 (+44.17%) Homeowner's exemption	$12,151 (+31.85%) Land $2,375 Building $9,776	$36,453 (+31.85%) Land $7,125 Building $29,328
2024	$326.00 (+16.85%)
2022	$279.00 (+7.72%) Homeowner's exemption	$9,216 Land $1,808 Building $7,408	$27,648 Land $5,424 Building $22,224
2021	$259.00

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.

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 96% of the US · lower than 74% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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