320 Jefferson Ave, Flora, IL 62839 Property Records

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

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 716 sqft · built 1950
Lot Size	0.169 acres (7,374 sqft)
Owner	Individual Name on Record
Last Sale	$50,000 (May 2026)
Tax Bill	$578 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-119-006`

Property Details

APN / Parcel Number

Primary APN	`10-25-119-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	716 sqft Living Area
Basement Area	716 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	7,374 sqft (0.169 acres)
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	320 JEFFERSON AVE
City	FLORA
State	IL
Zip	62839-1816
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	HOSPITAL ADDN FRAC LOT 9 & ALL LOT 10
Legal Subdivision	HOSPITAL ADD
Legal Lot Number	9-10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3033
Census Tract	972100

Owner

Source: Clay County records, as of July 20, 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 S JEFFERSON ST, FLORISSANT, MO 63031-6942
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
May 6, 2026	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2026 · Amount on Record
Deed Sale	May 6, 2026 · Amount on Record
Prior Sale	Jun 11, 2018 · Amount on Record
Deed Document Number	2026860
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 6, 2026
Property Address	320 JEFFERSON AVE, FLORA, IL 62839-1816
Document Number	0000000860
Instrument Date	May 1, 2026
Instrument	2026.860
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$7,575.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000861,
Date	May 6, 2026
Instrument	2026..861

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.88%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000000862,
Date	May 6, 2026
Instrument	2026.862

Lender

Name	ILLINOIS HOUSING DEV AUTHORITY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jun 1, 2036

Interest

Rate	6.38%
Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jun 11, 2018
Property Address	320 JEFFERSON AVE, FLORA, IL 62839-1816
Document Number	D194364
Map Reference	PR C PG 91
Instrument Date	Jun 8, 2018
Instrument	D194364
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 JEFFERSON AVE, FLORA, IL 62839-1816

Mortgage

Document Number	D194365
Date	Jun 11, 2018
Instrument	D194365

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 8, 2023

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 5, 2025

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		$14,612 (+11.45%) Land $3,563 Building $11,049	$43,836 (+11.45%) Land $10,689 Building $33,147
2024	$578.00 (+11.15%)	$13,111 (+18.33%) Land $3,197 Building $9,914	$39,333 (+18.33%) Land $9,591 Building $29,742
2022	$520.00 (+7.44%) Homeowner's exemption	$11,080 Land $2,708 Building $8,372	$33,240 Land $8,124 Building $25,116
2021	$484.00

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
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · 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.

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 440 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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