501 N Main St, Flora, IL 62839 Property Records

Clay County property record for 501 N Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1.5 ba · 4,075 sqft · built 1950
Lot Size	0.422 acres (18,393 sqft)
Owner	2 Individual Names on File
Last Sale	$41,500 (Jun 2016)
Tax Bill	$5,959 (2025)
Deeds & Mortgages	May 2017 Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-120-028`

Property Details

APN / Parcel Number

Primary APN	`10-25-120-028`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,075 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Roof Material	Shingle
Lot Area	18,393 sqft (0.422 acres)
Garage Area	576 sqft
Driveway	Concrete Driveway
Driveway Area	378 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	190 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	501 N MAIN ST
City	FLORA
State	IL
Zip	62839-1405
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M L ARMSTRONG'S SUB DIV LOTS 14 15 & 16
Legal Subdivision	M L ARMSTRONGS SUB DIV
Legal Lot Number	14-16
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3047
Census Tract	972100

Owner

501 N Main St, a residential property, is owned by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	483 JORDAN LN, LOUISVILLE, IL 62858-2626
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 1, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK & TRUST CO
Mar 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK
Mar 6, 2017	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2016 · Amount on File
Deed Sale	Jun 21, 2016 · Amount on File
Prior Sale	Mar 5, 2009 · Amount on File
Deed Document Number	2016189162
Prior Transfer Date	Sep 25, 2015
Prior Transfer Doc	000D187149
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	501 N MAIN ST, FLORA, IL 62839-1405
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D191569
Date	May 1, 2017
Instrument	D191569

Lender

Name	FIRST NATIONAL BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	501 N MAIN ST, FLORA, IL 62839-1405
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D191123
Date	Mar 6, 2017
Instrument	D191123

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.25%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	501 N MAIN ST, FLORA, IL 62839-1405
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D191124
Date	Mar 6, 2017
Instrument	D191124

Lender

Name	FIRST NATIONAL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4.25%

Tax Assessment & Valuation

The 2025 property tax bill for 501 N Main St was $5,959, down 5.9% from the year before.

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	$5,959.00 (-5.91%)	$77,835 (-) Land $8,902 Building $68,933	$233,505 (-) Land $26,706 Building $206,799
2024	$6,333.00	$77,835 Land $8,902 Building $68,933	$233,505 Land $26,706 Building $206,799
2022	$6,743.00 (+7.42%)	$70,812 Land $8,089 Building $62,723	$212,436 Land $24,267 Building $188,169
2021	$6,277.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 501 N Main St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

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
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · rainfall accumulation

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

The area around 501 N Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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 440 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 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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