437 S Main St, Flora, IL 62839 Property Records

Clay County property record for 437 S Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,186 sqft · built 1923
Lot Size	0.152 acres (6,658 sqft)
Owner	2 Individual Names on Record
Last Sale	$68,900 (May 2025)
Tax Bill	$2,223 (2025)
Deeds & Mortgages	Oct 2023 Foreclosure Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-351-002`

Property Details

APN / Parcel Number

Primary APN	`10-25-351-002`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,186 sqft Living Area
Basement Area	892 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,658 sqft (0.152 acres)
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	310 sqft
Deck Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	437 S MAIN ST
City	FLORA
State	IL
Zip	62839-1739
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ADAMS & JAMES SUB DIV LOT 8
Legal Subdivision	ADAMS & JAMES SUB
Legal Lot Number	8
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2054
Census Tract	972100

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	495 SNOW RD, GREER, SC 29651-7226
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2023	Sheriff's Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Oct 12, 2017	Deed, Transfer · Conventional Mortgage FIRST FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Oct 3, 2023
Deed Document Number	2025211736
Record Updated	Oct 29, 2026

October 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IL
Recording Date	Oct 3, 2023
Property Address	437 S MAIN ST, FLORA, IL 62839-1739
Document Number	0000208114
Instrument Date	Oct 3, 2023
Instrument	208114
Transaction Type	Foreclosure
Record Updated	Oct 25, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	9408 HIGHWAY 45, FLORA, IL 62839-3043

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Oct 12, 2017
Property Address	437 S MAIN ST, FLORA, IL 62839-1739
Document Number	D192741
Instrument Date	Oct 11, 2017
Instrument	D192741
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$90.00
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	437 S MAIN ST, FLORA, IL 62839-1739

Mortgage

Document Number	D192742
Date	Oct 12, 2017
Instrument	D192742

Lender

Name	FIRST FINANCIAL BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2047

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	$2,223.00 (+4.86%)	$29,048 (+11.45%) Land $2,375 Building $26,673	$87,144 (+11.45%) Land $7,125 Building $80,019
2024	$2,120.00 (+1.19%)	$26,064 (+18.48%) Land $2,131 Building $23,933	$78,192 (+18.48%) Land $6,393 Building $71,799
2022	$2,095.00 (+9.34%)	$21,999 Land $1,788 Building $20,211	$65,997 Land $5,364 Building $60,633
2021	$1,916.00

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