908 S Main St, Flora, IL 62839 Property Records

Clay County property record for 908 S Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 724 sqft · built 1940
Lot Size	0.17 acres (7,442 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (Apr 2021)
Tax Bill	$1,633 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-36-102-109`

Property Details

APN / Parcel Number

Primary APN	`10-36-102-109`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	724 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,442 sqft (0.17 acres)
Porch	Slab
Porch Area	36 sqft

Location & Zoning

Street Address	908 S MAIN ST
City	FLORA
State	IL
Zip	62839-1709
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	HIGH SCHOOL ADDN BLOCK 1 LOT 124 EX S 2'
Legal Subdivision	HIGH SCHOOL ADD
Legal Block	1
Legal Lot Number	124
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2080
Census Tract	972100

Owner

Source: Clay County records, as of October 20, 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

Date	Document
Nov 9, 2023	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Mar 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage CLAY CITY BANKING CO
Apr 20, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2021 · Amount on Record
Deed Sale	Apr 20, 2021 · Amount on Record
Prior Sale	Oct 2, 2012 · Amount on Record
Deed Document Number	2021201600
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0000156417
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	908 S MAIN ST, FLORA, IL 62839-1709
Transaction Type	Mortgage
Record Updated	Nov 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208337
Date	Nov 9, 2023
Instrument	208337

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Nov 5, 2024

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	908 S MAIN ST, FLORA, IL 62839-1709
Transaction Type	Mortgage
Record Updated	Aug 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D196264
Date	Mar 22, 2019
Instrument	D196264

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2024

Interest

Rate Type	Fixed Rate

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 20, 2021
Property Address	908 S MAIN ST, FLORA, IL 62839-1709
Document Number	0000201600
Instrument Date	Apr 16, 2021
Instrument	201600
Transaction Type	Transfer
Record Updated	Aug 4, 2022

Transaction

Amount	Amount Recorded
Tax	$75.00
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
Investor	Possibly a Property Investor

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	$1,633.00 (+4.88%)	$21,339 (+11.45%) Land $1,584 Building $19,755	$64,017 (+11.45%) Land $4,752 Building $59,265
2024	$1,557.00 (+1.24%)	$19,146 (+18.49%) Land $1,421 Building $17,725	$57,438 (+18.49%) Land $4,263 Building $53,175
2022	$1,538.00 (+351.03%)	$16,158 Land $1,190 Building $14,968	$48,474 Land $3,570 Building $44,904
2021	$341.00

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

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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