323 S Sycamore St, Flora, IL 62839 Property Records

Clay County property record for 323 S Sycamore St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Owner	Individual Name on File
Last Sale	$54,000 (Jan 2024)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2024 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-326-009`

Property Details

APN / Parcel Number

Primary APN	`10-25-326-009`
Alternative APN	`10-25-326-014`

Location & Zoning

Street Address	323 S SYCAMORE ST
City	FLORA
State	IL
Zip	62839-2144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAM WHITE'S 1ST ADDN LOTS 11 & 14 + VACATED ALLEY
Legal Subdivision	WILLIAM WHITES FIRST ADDITION
Legal Lot Number	11,14
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2046
Census Tract	972100

Owner

323 S Sycamore St is owned and occupied by an individual who bought it in January 2024.

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

Owner of Record	Individual Name on File
Mailing Address	323 S SYCAMORE ST, FLORA, IL 62839-2144
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
Jul 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY SAVINGS BANK
Jan 25, 2024	Warranty Deed, Transfer · Line of Credit COMMUNITY PARTNER SAVINGS BANK
Apr 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLORA SAVINGS BANK
Aug 30, 2017	Deed, Transfer · Conventional Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2024 · Amount on File
Deed Sale	Jan 25, 2024 · Amount on File
Deed Document Number	2024208791
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Jul 16, 2026
Property Address	323 S SYCAMORE ST, FLORA, IL 62839-2144
Document Number	0000001319
Instrument Date	Jun 25, 2026
Instrument	20261319
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S SYCAMORE ST, FLORA, IL 62839-2144

Mortgage

Document Number	0000001319,
Date	Jul 16, 2026
Instrument	20261319

Lender

Name	COMMUNITY SAVINGS BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	7.75%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jan 25, 2024
Property Address	323 S SYCAMORE ST, FLORA, IL 62839-2144
Document Number	0000208791
Map Reference	BK 29 PG 125
Instrument Date	Jan 25, 2024
Instrument	208791
Transaction Type	Transfer
Record Updated	Feb 7, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	323 S SYCAMORE ST, FLORA, IL 62839-2144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S SYCAMORE ST, FLORA, IL 62839-2144

Mortgage

Document Number	0000208792
Date	Jan 25, 2024
Instrument	208792

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	336 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	323 S SYCAMORE ST, FLORA, IL 62839-2144
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D194054
Date	Apr 30, 2018
Instrument	D194054

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Oct 13, 2018

Interest

Rate Type	Fixed Rate

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Aug 30, 2017
Property Address	323 S SYCAMORE ST, FLORA, IL 62839-2144
Document Number	D192403
Map Reference	MR 29 PG 125
Instrument Date	Aug 30, 2017
Instrument	D192403
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 S SYCAMORE ST, FLORA, IL 62839-2144

Mortgage

Document Number	D192404
Date	Aug 30, 2017
Instrument	D192404

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 30, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 323 S Sycamore St was $2,311 with a homeowner's exemption, up 7.3% 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	$2,311.00 (+7.29%)	$36,191 (+11.45%) Land $3,961 Building $32,230	$108,573 (+11.45%) Land $11,883 Building $96,690
2024	$2,154.00	$32,473 Land $3,554 Building $28,919	$97,419 Land $10,662 Building $86,757
2022	$1,361.00 (+10.2%) Homeowner's exemption	$25,922 Land $1,501 Building $24,421	$77,766 Land $4,503 Building $73,263
2021	$1,235.00

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

FEMA maps place 323 S Sycamore 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

The area around 323 S Sycamore 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.

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 346 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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