515 W 3rd St, Flora, IL 62839 Property Records

Clay County property record for 515 W 3rd St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2.5 ba · 1,232 sqft · built 2014
Lot Size	0.164 acres (7,165 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Mar 2021)
Tax Bill	$3,184 (2024)
Deeds & Mortgages	Nov 2017 Mortgage Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-417-007`

Property Details

APN / Parcel Number

Primary APN	`10-26-417-007`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	7,165 sqft (0.164 acres)
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	515 W 3RD ST
City	FLORA
State	IL
Zip	62839-1249
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M H PRESLEY'S 2ND ADDN BLOCK 2 LOT 16
Legal Subdivision	M H PRESLEYS 2ND ADD
Legal Block	2
Legal Lot Number	16
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1071
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	Individual Name on Record
Mailing Address	515 W 3RD ST, FLORA, IL 62839-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES NATIONAL BANK
Mar 26, 2021	Special Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST
Aug 3, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2021 · Amount on Record
Deed Sale	Mar 26, 2021 · Amount on Record
Prior Sale	Aug 3, 2017
Deed Document Number	2021201386
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	515 W 3RD ST, FLORA, IL 62839-1249
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D192901
Date	Nov 7, 2017
Instrument	D192901

Lender

Name	PEOPLES NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

March 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 26, 2021
Property Address	515 W 3RD ST, FLORA, IL 62839-1249
Document Number	0000201386
Instrument Date	Mar 23, 2021
Instrument	201386
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 PRESLEY AVE, 400, FLORA, IL 62839-1226

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W 3RD ST, FLORA, IL 62839-1249

Mortgage

Document Number	0000201387
Date	Mar 26, 2021
Instrument	201387

Lender

Name	FLORA BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3%

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Aug 3, 2017
Property Address	515 W 3RD ST, FLORA, IL 62839-1249
Document Number	000D192233
Instrument Date	Aug 3, 2017
Instrument	D192233
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 HONEY LOCUST LN, XENIA, IL 62899-2107

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		$50,305 (+32.01%) Land $2,772 Building $47,533	$150,915 (+32.01%) Land $8,316 Building $142,599
2024	$3,184.00 (+4.15%)
2022	$3,057.00 (-7.89%) Homeowner's exemption	$38,107 Land $2,091 Building $36,016	$114,321 Land $6,273 Building $108,048
2021	$3,319.00

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
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

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 192 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
AT&T Fixed Wireless	100 / 20

May also be available: ClearWave, T-Mobile.

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