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

Clay County property record for 551 W 3rd St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 924 sqft · built 1903
Lot Size	0.164 acres (7,162 sqft)
Owner	Company Name on Record
Last Sale	$31,400 (May 2025)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Oct 2026 Mortgage Jul 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-417-001`

Property Details

APN / Parcel Number

Primary APN	`10-26-417-001`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	924 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1903
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,162 sqft (0.164 acres)
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	132 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	551 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 10
Legal Subdivision	M H PRESLEYS 2ND ADD
Legal Block	2
Legal Lot Number	10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1071
Census Tract	972100

Owner

Source: Clay County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1001 SHILOH AVE, EFFINGHAM, IL 62401-4518
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jul 6, 2018	Warranty Deed, Transfer
Sep 26, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2025 · Amount on Record
Deed Sale	May 22, 2025 · Amount on Record
Prior Sale	Jul 6, 2018 · Amount on Record
Deed Document Number	2025211858
Prior Transfer Date	Oct 11, 2023
Prior Transfer Doc	0000208141
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Oct 8, 2026
Property Address	551 W 3RD ST, FLORA, IL 62839-1249
Document Number	0000001805
Instrument Date	Oct 7, 2026
Instrument	20261805
Transaction Type	Mortgage
Record Updated	Oct 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1001 SHILOH AVE, EFFINGHAM, IL 62401-4518

Mortgage

Document Number	0000001805,
Date	Oct 8, 2026
Instrument	20261805

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jul 6, 2018
Property Address	551 W 3RD ST, FLORA, IL 62839-1249
Document Number	D194575
Instrument Date	Jul 6, 2018
Instrument	D194575
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$44.25
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	551 W 3RD ST, FLORA, IL 62839-1249

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Sep 26, 2017
Property Address	551 W 3RD ST, FLORA, IL 62839-1249
Document Number	D192623
Instrument Date	Sep 22, 2017
Instrument	D192623
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Tax	$37.50
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	PO BOX 284, CISNE, IL 62823-0284

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	$1,331.00 (+4.89%)	$17,388 (+32.07%) Land $2,772 Building $14,616	$52,164 (+32.07%) Land $8,316 Building $43,848
2024	$1,269.00 (+1.28%)
2022	$1,253.00 (+9.34%)	$13,166 Land $2,091 Building $11,075	$39,498 Land $6,273 Building $33,225
2021	$1,146.00

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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