443 Flora Ave, Flora, IL 62839 Property Records

Clay County property record for 443 Flora Ave, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,106 sqft · built 1938
Lot Size	0.165 acres (7,209 sqft)
Owner	Individual Name on File
Last Sale	$92,400 (Jun 2020)
Tax Bill	$2,519 (2024)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-201-006`

Property Details

APN / Parcel Number

Primary APN	`10-36-201-006`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,106 sqft Living Area
Basement Area	767 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	7,209 sqft (0.165 acres)
Garage Area	528 sqft
Driveway	Concrete Driveway
Driveway Area	360 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	27 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	443 FLORA AVE
City	FLORA
State	IL
Zip	62839-2721
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M T SNYDER ADDN BLOCK A LOT 5
Legal Subdivision	M T SNYDER ADD
Legal Block	A
Legal Lot Number	5
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2070
Census Tract	972100

Owner

Source: Clay County records · APN 10-36-201-006

Assessment roll updated September 5, 2025 · Last verified July 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 File
Mailing Address	443 FLORA AVE, FLORA, IL 62839-2721
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 12, 2020 · Amount on Record
Deed Sale	Jun 12, 2020 · Amount on Record
Prior Sale	Sep 22, 2015 · Amount on Record
Deed Document Number	2020199202
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jun 12, 2020
Property Address	443 FLORA AVE, FLORA, IL 62839-2721
Document Number	0000199202
Instrument Date	May 21, 2020
Instrument	199202
Transaction Type	Transfer
Record Updated	Aug 04, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$138.75
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	443 FLORA AVE, FLORA, IL 62839-2721

Mortgage

Document Number	0000199203
Date	Jun 12, 2020
Instrument	199203

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$41,193 (+31.97%) Land $1,980 Building $39,213	$123,579 (+31.97%) Land $5,940 Building $117,639
2024	$2,519.00 (+4.91%)
2022	$2,401.00 (+9.79%) Homeowner's exemption	$31,213 Land $1,501 Building $29,712	$93,639 Land $4,503 Building $89,136
2021	$2,187.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 17, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Wabash Telephone Cooperative Fiber	1,000 / 1,000
AMG Technology Investment Group Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Delta Communications.

Based on FCC filings for 346 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FLORA serves 5,233 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.