441 S Main St, Flora, IL 62839 Property Records

Clay County property record for 441 S Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,008 sqft · built 1948
Lot Size	0.152 acres (6,658 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Sep 2017)
Tax Bill	$2,365 (2025)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-351-003`

Property Details

APN / Parcel Number

Primary APN	`10-25-351-003`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	780 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
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	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	182 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	441 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 7
Legal Subdivision	ADAMS & JAMES SUB
Legal Lot Number	7
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	441 S MAIN ST, FLORA, IL 62839-1739
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2017 · Amount on Record
Deed Sale	Sep 13, 2017 · Amount on Record
Prior Sale	Apr 14, 2009 · Amount on Record
Deed Document Number	2017192519
Prior Transfer Date	Sep 11, 2017
Prior Transfer Doc	D192520
Record Updated	Oct 29, 2026

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Sep 13, 2017
Property Address	441 S MAIN ST, FLORA, IL 62839-1739
Document Number	D192519
Instrument Date	Sep 11, 2017
Instrument	D192519
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$97.50
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	441 S MAIN ST, FLORA, IL 62839-1739

Mortgage

Document Number	D192520
Date	Sep 13, 2017
Instrument	D192520

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 11, 2022

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	$2,365.00 (+7.21%) Homeowner's exemption	$36,901 (+11.45%) Land $2,375 Building $34,526	$110,703 (+11.45%) Land $7,125 Building $103,578
2024	$2,206.00 (+5.55%)	$33,110 (+18.47%) Land $2,131 Building $30,979	$99,330 (+18.47%) Land $6,393 Building $92,937
2022	$2,090.00 (+9.88%) Homeowner's exemption	$27,949 Land $1,788 Building $26,161	$83,847 Land $5,364 Building $78,483
2021	$1,902.00

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.

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