322 Summer St, Flora, IL 62839 Property Records

Clay County property record for 322 Summer St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2.5 ba · 864 sqft · built 2012
Lot Size	0.305 acres (13,317 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,000 (Nov 2021)
Tax Bill	$6,698 (2024)
Deeds & Mortgages	Nov 2021 Sale Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-315-031`

Property Details

APN / Parcel Number

Primary APN	`10-26-315-031`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	864 sqft Living Area
Basement Area	864 sqft
Flooring	Wood

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	13,317 sqft (0.305 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Patio Area	136 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	322 SUMMER ST
City	FLORA
State	IL
Zip	62839-4181
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SOMERSET SUBDIV LOT 31 & 36
Legal Subdivision	SOMERSET SUB
Legal Lot Number	31,36
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1053
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	2 Individual Names on Record
Mailing Address	322 SUMMER ST, FLORA, IL 62839-4181
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Warranty Deed, Transfer
Dec 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Jun 23, 2014 · Amount on Record
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 1, 2021
Property Address	322 SUMMER ST, FLORA, IL 62839-4181
Document Number	203303
Map Reference	DOC 126406
Instrument Date	Nov 1, 2021
Instrument	203303
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Amount	Amount Recorded
Tax	$373.50
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 SUMMER ST, FLORA, IL 62839-4181

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	322 SUMMER ST, FLORA, IL 62839-4181
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	QUAD COUNTY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D195748
Date	Dec 27, 2018
Instrument	D195748

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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		$105,098 (+69.99%) Land $7,396 Building $97,702	$315,294 (+69.99%) Land $22,188 Building $293,106
2024	$6,698.00 (+38.39%)
2022	$4,840.00 (+1.28%) Homeowner's exemption Senior Citizen's exemption	$61,827 Land $5,379 Building $56,448	$185,481 Land $16,137 Building $169,344
2021	$4,779.00

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	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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% 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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