Clay County property record for 821 W 3rd St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 872 sqft · built 1949 |
| Lot Size | 0.483 acres (21,044 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,679 (2024) |
| Deeds & Mortgages | May 2026 Construction Loan Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-413-003 |
| Primary APN | 10-26-413-003 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 872 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Multi-Family |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 21,044 sqft (0.483 acres) |
| Porch | Porch |
| Porch Area | 133 sqft |
| Heating System | Central |
|---|
| Street Address | 821 W 3RD ST |
|---|---|
| City | FLORA |
| State | IL |
| Zip | 62839-1252 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | MARY D REAUGH ADDN BLOCK 1 N/2 LOT 2 |
| Legal Subdivision | MARY D REAUGH ADD |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1073 |
| Census Tract | 972100 |
Source: Clay County assessment roll, APN 10-26-413-003, as of September 5, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | PO BOX 249, FLORA, IL 62839-0249 |
| Owner Type | Company |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Construction Mortgage WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Jul 09, 2021 | Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Mar 25, 2025 |
| Transfer Doc | 0000211436 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | May 12, 2026 |
| Property Address | 821 W 3RD ST, FLORA, IL 62839-1252 |
| Document Number | 0000000909 |
| Instrument Date | May 04, 2026 |
| Instrument | 2026909 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 133 E 6TH ST, FLORA, IL 62839-1936 |
| Document Number | 0000000909, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 2026909 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 5 Months |
| Due | Oct 31, 2026 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 821 W 3RD ST, FLORA, IL 62839-1252 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202336 |
|---|---|
| Date | Jul 09, 2021 |
| Instrument | 202336 |
| Name | CLAY CITY BANKING CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Jul 02, 2022 |
| Rate Type | Fixed Rate |
|---|
Source: Clay County assessment roll as of September 5, 2025 · Last verified July 2026
| 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) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $3,679.00 (-6.08%) | $45,222 (+9.94%) Land $4,066 Building $41,156 | $135,666 (+9.94%) Land $12,198 Building $123,468 |
| 2022 | $3,917.00 (+7.43%) | $41,134 Land $3,685 Building $37,449 | $123,402 Land $11,055 Building $112,347 |
| 2021 | $3,646.00 |
Source: FEMA National Flood Hazard Layer, Clay County (17025C), as of January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, 149 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 5,000 / 5,000 |
| Wabash Telephone Cooperative Fiber | 1,000 / 1,000 |
| AMG Technology Investment Group Fixed Wireless | 500 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Delta Communications, T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system IL0250100, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FLORA serves 5,233 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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