912 S Main St, Flora, IL 62839 Property Records

Clay County property record for 912 S Main St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 848 sqft · built 1936
Lot Size	0.146 acres (6,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$35,000 (Jun 2018)
Tax Bill	$522 (2024)
Deeds & Mortgages	Jun 2018 Sale & Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-36-102-110`

Property Details

APN / Parcel Number

Primary APN	`10-36-102-110`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	848 sqft Living Area
Basement Area	848 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1936
Effective Year Built	Effective 1936
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Roof Material	Shingle
Lot Area	6,400 sqft (0.146 acres)
Garage Area	192 sqft
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	912 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 S 2' LOT 124 & ALL LOT 125
Legal Subdivision	HIGH SCHOOL ADD
Legal Block	1
Legal Lot Number	124-125
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	2
Census Block	2080
Census Tract	972100

Owner

Source: Clay County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	912 S MAIN ST, FLORA, IL 62839-1709
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO
Dec 11, 2017	Deed, Transfer · Conventional Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on Record
Deed Sale	Jun 4, 2018 · Amount on Record
Prior Sale	Dec 11, 2017 · Amount on Record
Deed Document Number	2018194321
Record Updated	Sep 20, 2026

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jun 4, 2018
Property Address	912 S MAIN ST, FLORA, IL 62839-1709
Document Number	D194321
Instrument Date	Jun 4, 2018
Instrument	D194321
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
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	912 S MAIN ST, FLORA, IL 62839-1709

Mortgage

Document Number	D194322
Date	Jun 4, 2018
Instrument	D194322

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 1, 2023

Interest

Rate Type	Fixed Rate

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Dec 11, 2017
Property Address	912 S MAIN ST, FLORA, IL 62839-1709
Document Number	D193081
Instrument Date	Dec 9, 2017
Instrument	D193081
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.50
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 452, FLORA, IL 62839-0452

Mortgage

Document Number	D193082
Date	Dec 11, 2017
Instrument	D193082

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Nov 30, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 5, 2025

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		$27,059 (+158.27%) Land $1,584 Building $25,475	$81,177 (+158.27%) Land $4,752 Building $76,425
2024	$522.00 (+22.54%)
2022	$426.00 (+12.11%) Homeowner's exemption	$10,477 Land $1,190 Building $9,287	$31,431 Land $3,570 Building $27,861
2021	$380.00

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 94% of the US · lower than 61% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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