345 Flora Ave, Flora, IL 62839 Property Records

Clay County property record for 345 Flora Ave, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Details	built 2003
Lot Size	0.19 acres (8,297 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (Dec 2025)
Tax Bill	$1,247 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-101-060`

Property Details

APN / Parcel Number

Primary APN	`10-36-101-060`

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	8,297 sqft (0.19 acres)

Location & Zoning

Street Address	345 FLORA AVE
City	FLORA
State	IL
Zip	62839-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIR ADDN LOT 84
Legal Subdivision	FAIR ADD
Legal Lot Number	84
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2071
Census Tract	972100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	345 FLORA AVE, FLORA, IL 62839-2241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Feb 1, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 19, 2025 · Amount on Record
Deed Sale	Dec 19, 2025 · Amount on Record
Prior Sale	Feb 1, 2019 · Amount on Record
Deed Document Number	202513226
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 19, 2025
Property Address	345 FLORA AVE, FLORA, IL 62839-2241
Document Number	0000213226
Instrument Date	Dec 18, 2025
Instrument	213226
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 FLORA AVE, FLORA, IL 62839-2241

Mortgage

Document Number	0000213227
Date	Dec 19, 2025
Instrument	213227

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.25%

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 1, 2019
Property Address	345 FLORA AVE, FLORA, IL 62839-2241
Document Number	000D195966
Instrument Date	Jan 17, 2019
Instrument	D195966
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Tax	$10.50
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	345 FLORA AVE, FLORA, IL 62839-2241
Investor	Possibly a Property Investor

Mortgage

Document Number	000D195967
Date	Feb 1, 2019
Instrument	D195967

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 28, 2029

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,247.00 (+9.48%) Homeowner's exemption	$22,292 (+11.45%) Land $1,980 Building $20,312	$66,876 (+11.45%) Land $5,940 Building $60,936
2024	$1,139.00 (+9.94%) Homeowner's exemption	$20,002 (+18.5%) Land $1,777 Building $18,225	$60,006 (+18.5%) Land $5,331 Building $54,675
2022	$1,036.00 (+10.45%) Homeowner's exemption	$16,879 Land $1,489 Building $15,390	$50,637 Land $4,467 Building $46,170
2021	$938.00

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

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 99.1% of the US · lower than 94% 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 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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