322 Campbell Ave, Flora, IL 62839 Property Records

Clay County property record for 322 Campbell Ave, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on File
Last Sale	$31,333 (May 2023)
Tax Bill	$2,200 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-307-007`

Property Details

APN / Parcel Number

Primary APN	`10-26-307-007`

Location & Zoning

Street Address	322 CAMPBELL AVE
City	FLORA
State	IL
Zip	62839-1278
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRVIEW ADDN BLOCK 5 N/2 LOTS 3 4 & 5 & 8' X 171' VACATED ALLEY
Legal Subdivision	FAIRVIEW ADD
Legal Block	5
Legal Lot Number	3-5
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1050
Census Tract	972100

Owner

322 Campbell Ave is owned and occupied by two individuals who bought it in May 2023.

Source: Clay County records, as of October 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK
May 24, 2023	Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC
Jul 29, 2022	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Sep 27, 2017	Deed, Transfer
Sep 27, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2023 · Amount on File
Deed Sale	May 24, 2023 · Amount on File
Prior Sale	Jul 29, 2022 · Amount on File
Deed Document Number	2023207314
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201050
Date	Feb 8, 2021
Instrument	201050

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 24, 2023
Property Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
Document Number	0000207314
Map Reference	DOC 107513
Instrument Date	May 24, 2023
Instrument	207314
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	322 CAMPBELL AVE, FLORA, IL 62839-1278

Mortgage

Document Number	0000207315
Date	May 24, 2023
Instrument	207315

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.38%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jul 29, 2022
Property Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
Document Number	0000205348
Map Reference	DOC 107513
Instrument Date	Jul 29, 2022
Instrument	205348
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	322 CAMPBELL AVE, FLORA, IL 62839-1278

Mortgage

Document Number	0000205349
Date	Jul 29, 2022
Instrument	205349

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Sep 27, 2017
Property Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
Document Number	000D192626
Map Reference	DOC 107 513
Instrument Date	Sep 25, 2017
Instrument	D192626
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$11.25
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	322 SUMMER ST, FLORA, IL 62839-4181
Investor	Possibly a Property Investor

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Sep 27, 2017
Property Address	322 CAMPBELL AVE, FLORA, IL 62839-1278
Document Number	000D192625
Map Reference	DOC 78 614
Instrument Date	Sep 25, 2017
Instrument	D192625
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Tax	$11.25
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	322 SUMMER ST, FLORA, IL 62839-4181
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 322 Campbell Ave was $2,200 with a homeowner's exemption, up 7.4% from the year before.

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	$2,200.00 (+7.42%) Homeowner's exemption	$34,744 Land $2,111 Building $32,633	$104,232 Land $6,333 Building $97,899
2024	$2,048.00
2022	Homeowner's exemption Disabled Person's exemption Veteran's exemption	$29,631 Land $1,555 Building $28,076	$88,893 Land $4,665 Building $84,228

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

Flood

FEMA maps place 322 Campbell Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

Wildfire risk around 322 Campbell Ave 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 98% of the US · lower than 86% 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 149 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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