815 N Main St, Flora, IL 62839 Property Records

Clay County property record for 815 N Main St, Flora, IL 62839

Property Summary

Property Type	Commercial
Lot Size	0.173 acres (7,556 sqft)
Owner	Company Name on Record
Last Sale	$133,000 (Apr 2024)
Tax Bill	$4,562 (2025)
Deeds & Mortgages	Apr 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-120-002`

Property Details

APN / Parcel Number

Primary APN	`10-25-120-002`

Exterior

Lot Area	7,556 sqft (0.173 acres)

Location & Zoning

Street Address	809 N MAIN ST
City	FLORA
State	IL
Zip	62839-1033
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	M L ARMSTRONG'S SUB DIV LOT 1 EX N 50' & EX S 86'
Legal Subdivision	M L ARMSTRONGS SUB DIV
Legal Lot Number	1
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3046
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	Company Name on Record
Mailing Address	133 E 6TH ST, FLORA, IL 62839-1936
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2024 · Amount on Record
Deed Sale	Apr 2, 2024 · Amount on Record
Prior Sale	Dec 23, 2013 · Amount on Record
Deed Document Number	2024209189
Record Updated	Oct 29, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 2, 2024
Property Address	815 N MAIN ST, FLORA, IL 62839-1033
Document Number	0000209189
Instrument Date	Mar 22, 2024
Instrument	209189
Transaction Type	Transfer
Record Updated	Apr 17, 2024
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$195.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 E 6TH ST, FLORA, IL 62839-1936

Mortgage

Document Number	0000209190
Date	Apr 2, 2024
Instrument	209190

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 28, 2029

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	$4,562.00 (-5.92%)	$59,597 (+9.64%) Land $4,726 Building $54,871	$178,791 (+9.64%) Land $14,178 Building $164,613
2024	$4,849.00 (-6.32%)
2022	$5,176.00 (+7.43%)	$54,357 Land $4,429 Building $49,928	$163,071 Land $13,287 Building $149,784
2021	$4,818.00

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	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

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 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.

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