609 N Main St, Flora, IL 62839 Property Records

Clay County property record for 609 N Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,254 sqft · built 1910
Lot Size	0.143 acres (6,229 sqft)
Owner	Individual Name on File
Tax Bill	$1,637 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-25-120-017`

Property Details

APN / Parcel Number

Primary APN	`10-25-120-017`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,254 sqft Living Area
Basement Area	230 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,229 sqft (0.143 acres)
Garage Area	864 sqft
Driveway	Concrete Driveway
Driveway Area	480 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	79 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	609 N MAIN ST
City	FLORA
State	IL
Zip	62839-1407
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M L ARMSTRONG'S SUB DIV LOT 10
Legal Subdivision	M L ARMSTRONGS SUB DIV
Legal Lot Number	10
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3048
Census Tract	972100

Owner

609 N Main St, a residential property, is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	609 N MAIN ST, FLORA, IL 62839-1407
Occupancy	Owner Occupied
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
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	609 N MAIN ST, FLORA, IL 62839-1407
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D202600582
Date	Mar 27, 2026
Instrument	D202600582

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	609 N MAIN ST, FLORA, IL 62839-1407
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204556
Date	Apr 11, 2022
Instrument	204556

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2051

Interest

Rate Type	Fixed Rate

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	609 N MAIN ST, FLORA, IL 62839-1407
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204555
Date	Apr 11, 2022
Instrument	204555

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	132 Months
Due	Jan 1, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 609 N Main St was $1,637 with a homeowner's exemption, up 8.3% 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	$1,637.00 (+8.34%) Homeowner's exemption	$27,393 Land $4,355 Building $23,038	$82,179 Land $13,065 Building $69,114
2024	$1,511.00
2022	$1,405.00 (+10.11%) Homeowner's exemption	$20,757 Land $3,301 Building $17,456	$62,271 Land $9,903 Building $52,368
2021	$1,276.00

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

Flood

FEMA maps place 609 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 609 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.

Nearby Properties on N Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures