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

Clay County property record for 532 W 3rd St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	0.179 acres (7,825 sqft)
Owner	Individual Name on Record
Last Sale	$187,000 (Aug 2023)
Tax Bill	$2,435 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-407-013`

Property Details

APN / Parcel Number

Primary APN	`10-26-407-013`

Exterior

Lot Area	7,825 sqft (0.179 acres)

Location & Zoning

Street Address	532 W 3RD ST
City	FLORA
State	IL
Zip	62839-1207
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M H PRESLEY'S 2ND ADDN BLOCK 3 S/2 LOT 6
Legal Subdivision	M H PRESLEYS 2ND ADD
Legal Block	3
Legal Lot Number	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1043
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	532 W 3RD ST, FLORA, IL 62839-1207
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK
Sep 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK
Jan 4, 2022	Administrator's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2023 · Amount on Record
Deed Sale	Aug 4, 2023 · Amount on Record
Prior Sale	Jan 4, 2022 · Amount on Record
Deed Document Number	2023207749
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Aug 4, 2023
Property Address	532 W 3RD ST, FLORA, IL 62839-1207
Document Number	0000207749
Instrument Date	Aug 1, 2023
Instrument	207749
Transaction Type	Transfer
Record Updated	Aug 24, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 W 3RD ST, FLORA, IL 62839-1207

Mortgage

Document Number	0000207750
Date	Aug 4, 2023
Instrument	207750

Lender

Name	WELLS FARGO BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	532 W 3RD ST, FLORA, IL 62839-1207
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000205585
Date	Sep 1, 2022
Instrument	205585

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 1, 2027

Interest

Rate Type	Fixed Rate

January 2022: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	CLAY IL
Recording Date	Jan 4, 2022
Property Address	532 W 3RD ST, FLORA, IL 62839-1207
Document Number	0000203790
Instrument Date	Jan 3, 2022
Instrument	203790
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Amount	Amount Recorded
Tax	$9.75
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	525 S GREEN ST, LOUISVILLE, IL 62858-1142

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	$2,435.00 (+10.43%) Homeowner's exemption	$59,382 (+2,739.89%) Land $2,772 Building $56,610	$178,146 (+2,739.89%) Land $8,316 Building $169,830
2024	$2,205.00 (+1,008.04%)
2022	$199.00 (+9.34%)	$2,091 Land $2,091	$6,273 Land $6,273
2021	$182.00

Assessed value is set for property tax purposes, not a market price estimate; it is 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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