538 S Main St, Flora, IL 62839 Property Records

Clay County property record for 538 S Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,008 sqft · built 1915
Lot Size	0.173 acres (7,552 sqft)
Owner	Individual Name on Record
Last Sale	$41,333 (May 2024)
Tax Bill	$681 (2024)
Deeds & Mortgages	Oct 2022 Sale & Line of Credit Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`10-36-101-015`

Property Details

APN / Parcel Number

Primary APN	`10-36-101-015`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Basement Area	312 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	7,552 sqft (0.173 acres)
Porch	Porch
Porch Area	162 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	538 S MAIN ST
City	FLORA
State	IL
Zip	62839-1703
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	FAIR ADDN LOT 18
Legal Subdivision	FAIR ADD
Legal Lot Number	18
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2079
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	538 S MAIN ST, FLORA, IL 62839-1703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2022	Warranty Deed, Transfer · Line of Credit FLORA BANK & TRUST
Jan 18, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2024 · Amount on Record
Deed Sale	May 28, 2024 · Amount on Record
Prior Sale	Oct 6, 2022 · Amount on Record
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Oct 6, 2022
Property Address	538 S MAIN ST, FLORA, IL 62839-1703
Document Number	0000205838
Instrument Date	Sep 26, 2022
Instrument	205838
Transaction Type	Transfer
Record Updated	Oct 26, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 W 8TH ST, FLORA, IL 62839-1004

Mortgage

Document Number	0000205839
Date	Oct 6, 2022
Instrument	205839

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 3, 2023

Interest

Rate Type	Fixed Rate
Rate	5.49%

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Jan 18, 2022
Property Address	538 S MAIN ST, FLORA, IL 62839-1703
Document Number	0000203912
Instrument Date	Mar 23, 2021
Instrument	203912
Transaction Type	Transfer
Record Updated	Feb 2, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 S MAIN ST, 538, FLORA, IL 62839-1703

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	539 VINCENNES AVE, FLORA, IL 62839-2154

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		$31,034 (+264.04%) Land $2,639 Building $28,395	$93,102 (+264.04%) Land $7,917 Building $85,185
2024	$681.00 (-16.03%)
2022	$811.00 (+9.3%)	$8,525 Land $1,984 Building $6,541	$25,575 Land $5,952 Building $19,623
2021	$742.00

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 157 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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