409 S Main St, Flora, IL 62839 Property Records

Clay County property record for 409 S Main St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Owner	2 Individual Names on Record
Last Sale	$110,000 (Apr 2026)
Tax Bill	$2,737 (2024)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-346-001`

Property Details

APN / Parcel Number

Primary APN	`10-25-346-001`
Alternative APN	`10-25-346-008`

Location & Zoning

Street Address	409 S MAIN ST
City	FLORA
State	IL
Zip	62839-1739
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILLIAM WHITE'S 2ND ADDN PT LOT 1
Legal Subdivision	WILLIAM WHITES SECOND ADDITION
Legal Lot Number	1
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2054
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	409 S MAIN ST, FLORA, IL 62839-1739
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer · VA Mortgage CORNERSTONE MORTGAGE INC
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY PARTNER SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Deed Document Number	2026794
Prior Transfer Date	Mar 10, 2010
Prior Transfer Doc	0000170187
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 29, 2026
Property Address	409 S MAIN ST, FLORA, IL 62839-1739
Document Number	0000000794
Instrument Date	Apr 25, 2026
Instrument	2026.794
Transaction Type	Transfer
Record Updated	May 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$16,665.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	409 S MAIN ST, FLORA, IL 62839-1739
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000795,
Date	Apr 29, 2026
Instrument	2026..795

Lender

Name	CORNERSTONE MORTGAGE INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	409 S MAIN ST, FLORA, IL 62839-1739
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201701
Date	Apr 30, 2021
Instrument	201701

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2031

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		$44,186 (+11.45%) Land $8,314 Building $35,872	$132,558 (+11.45%) Land $24,942 Building $107,616
2024	$2,737.00 (+20.84%)	$39,647 (+33.08%) Land $7,460 Building $32,187	$118,941 (+33.08%) Land $22,380 Building $96,561
2022	$2,265.00 (+9.79%) Homeowner's exemption	$29,792 Land $2,611 Building $27,181	$89,376 Land $7,833 Building $81,543
2021	$2,063.00

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	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.

Nearby Properties on S Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures