Well, I was wrong!
It was the flush valve that was leaking. It is a mansfield toilet that doesn't use a flapper or chain. The korky waterwise fill valve doesn't allow water to keep coming into toilet, so I noticed that the tank water level had gone down, that it was the flush valve. I had the new fluidmaster flush valve so I decided to try this project myself. I spent four hours only because after taking the tank completely off, I could NOT get the old flush valve to unscrew from the bottom for NOTHING! It was round in shape (not hex) so there was no tool I had to get a good grip on it and it would not budge. I finally cut it off which was a total pain. Had it not been for that, the entire process wouldn't have taken very long.
So NOW, I have a Korky fill valve and a fluidmaster flush valve. Both work great and no leaks.
And that black stuff that comes off the seals that are under water, what a mess!
Now - if only this day would be over without a tornado. I'm totally creeped out by the weather reports, especially since I do not have a basement.