Clay County property record for 322 Adams St, Flora, IL 62839
| Property Type | Single Family Home |
|---|---|
| Owner | Individual Name on File |
| Last Sale | $4,500 (Sep 2021) |
| Tax Bill | $3,104 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Aug 2022 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-36-102-123 |
| Primary APN | 10-36-102-123 |
|---|
| Street Address | 322 ADAMS AVE |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-2203 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HIGH SCHOOL ADDN BLK 11 LOTS 22 & 23 |
| Legal Subdivision | HIGH SCHOOL ADD |
| Legal Block | 11 |
| Legal Lot Number | 22-23 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 2 |
| Census Block | 2104 |
| Census Tract | 972100 |
322 Adams St is owned and occupied by an individual who bought it in September 2021.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 322 ADAMS AVE, FLORA, IL 62839-2203 |
| 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.
| Date | Document |
|---|---|
| Apr 9, 2024 | Deed of Trust, Mortgage · Line of Credit COMMUNITY PARTNER SAVINGS BANK |
| Aug 12, 2022 | Deed of Trust, Mortgage · Construction Mortgage COMMUNITY PARTNERS SAV BANK |
| Sep 17, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 17, 2021 · Amount on File |
| Deed Sale | Sep 17, 2021 · Amount on File |
| Deed Document Number | 2021202977 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 322 ADAMS ST, FLORA, IL 62839 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000209224 |
|---|---|
| Date | Apr 9, 2024 |
| Instrument | 209224 |
| Name | COMMUNITY PARTNER SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 1, 2044 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 322 ADAMS ST, FLORA, IL 62839 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000205433 |
|---|---|
| Date | Aug 12, 2022 |
| Instrument | 205433 |
| Name | COMMUNITY PARTNERS SAV BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Sep 17, 2021 |
| Property Address | 322 ADAMS ST, FLORA, IL 62839 |
| Document Number | 0000202977 |
| Instrument Date | Sep 17, 2021 |
| Instrument | 202977 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $6.75 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1046 N STATE RD, FLORA, IL 62839-1047 |
| Name | Verified Name |
|---|---|
| Address | 323 S SYCAMORE ST, FLORA, IL 62839-2144 |
The 2025 property tax bill for 322 Adams St was $3,104 with a homeowner's exemption, up 1,243.7% from the year before.
Source: Clay County assessment roll, as of October 15, 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,104.00 (+1,243.72%) Homeowner's exemption | $74,330 Land $3,167 Building $71,163 | $222,990 Land $9,501 Building $213,489 |
| 2024 | $231.00 | ||
| 2022 | $226.00 (-42.64%) | $2,380 Land $2,380 | $7,140 Land $7,140 |
| 2021 | $394.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 322 Adams 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.
The area around 322 Adams St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 157 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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