Clay County property record for 323 Summer St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 3.5 ba · 840 sqft · built 2011 |
| Lot Size | 0.318 acres (13,853 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,000 (Feb 2012) |
| Tax Bill | $5,465 (2024) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-315-030 |
| Primary APN | 10-26-315-030 |
|---|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 840 sqft Living Area |
| Basement Area | 840 sqft |
| Finished Basement | 840 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Material | Shingle |
| Lot Area | 13,853 sqft (0.318 acres) |
| Garage Area | 504 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 744 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 145 sqft |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 323 SUMMER ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-4182 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | SOMERSET SUBDIV LOT 30 |
| Legal Subdivision | SOMERSET SUB |
| Legal Lot Number | 30 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1052 |
| Census Tract | 972100 |
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 | 323 SUMMER ST, FLORA, IL 62839-4182 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 29, 2012 · Amount on Record |
| Deed Sale | Feb 29, 2012 · Amount on Record |
| Deed Document Number | 2012176077 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 323 SUMMER ST, FLORA, IL 62839-4182 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 201441 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 201441 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 192 Months |
| Due | Jan 1, 2036 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll, as of September 5, 2025
| 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 | $81,547 (+32.22%) Land $3,637 Building $77,910 | $244,641 (+32.22%) Land $10,911 Building $233,730 | |
| 2024 | $5,465.00 (+3.07%) | ||
| 2022 | $5,302.00 (+9.55%) Homeowner's exemption | $61,677 Land $2,643 Building $59,034 | $185,031 Land $7,929 Building $177,102 |
| 2021 | $4,840.00 |
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.
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.
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.
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 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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