Clay County property record for 320 S Elm St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 816 sqft · built 1946 |
| Owner | Individual Name on File |
| Tax Bill | $1,044 (2022) |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-25-342-002 |
| Primary APN | 10-25-342-002 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 816 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1946 |
|---|---|
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 144 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 320 S ELM ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1715 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | WILLIAM WHITE'S 2ND ADDN E 202' OF PARCEL A N/2 LOT 3 & E 185.45' OF PARCEL B N/2 LOT 3 |
| Legal Lot Number | 3 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 972100 |
320 S Elm St, a residential property, is owned and occupied by an individual.
Source: Clay County records, as of October 19, 2023
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 320 S ELM ST, FLORA, IL 62839-1715 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 7, 2026 |
Source: Clay County assessment roll, as of January 1, 2022
| 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 |
|---|---|---|---|
| 2022 | $1,044.00 (+10.48%) Homeowner's exemption | $16,964 Land $2,871 Building $14,093 | $50,892 Land $8,613 Building $42,279 |
| 2021 | $945.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 320 S Elm 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.
Wildfire risk around 320 S Elm St is low, with less than a 0.01% annual chance of 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.
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 192 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: ClearWave, T-Mobile.
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