1007 Rider St, Flora, IL 62839 Property Records

Clay County property record for 1007 Rider St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1.5 ba · 1,008 sqft · built 1948
Lot Size	0.204 acres (8,922 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Jun 2023)
Tax Bill	$2,153 (2025)
Deeds & Mortgages	Jun 2023 Sale & Line of Credit Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-210-007`

Property Details

APN / Parcel Number

Primary APN	`10-26-210-007`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	8,922 sqft (0.204 acres)
Garage Area	320 sqft
Driveway	Concrete Driveway
Driveway Area	1,155 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Patio Area	656 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1007 RIDER ST
City	FLORA
State	IL
Zip	62839-1040
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	ASSESSOR'S SUB DIV RIDER'S ADDN BLOCK 1 LOT 7 60' X 150'
Legal Subdivision	RIDERS ADD
Legal Block	1
Legal Lot Number	7
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1020
Census Tract	972100

Owner

1007 Rider St, a residential property, is owned and occupied by an individual who bought it in June 2023.

Source: Clay County records, as of October 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1007 RIDER ST, FLORA, IL 62839-1040
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2023	Warranty Deed, Transfer · Line of Credit FLORA BANK & TRUST
Apr 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2023 · Amount on File
Deed Sale	Jun 12, 2023 · Amount on File
Prior Sale	Apr 23, 2021 · Amount on File
Deed Document Number	2023207417
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Jun 12, 2023
Property Address	1007 RIDER ST, FLORA, IL 62839-1040
Document Number	0000207417
Instrument Date	Jun 2, 2023
Instrument	207417
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$139.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1007 RIDER ST, FLORA, IL 62839-1040

Mortgage

Document Number	0000207418
Date	Jun 12, 2023
Instrument	207418

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 7, 2028

Interest

Rate Type	Fixed Rate
Rate	7%

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 23, 2021
Property Address	1007 RIDER ST, FLORA, IL 62839-1040
Document Number	201665
Instrument Date	Apr 21, 2021
Instrument	201665
Transaction Type	Transfer
Record Updated	May 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$105.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1773 N STATE RD, 1773, FLORA, IL 62839-3230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1007 RIDER ST, FLORA, IL 62839-1040

Mortgage

Document Number	201666
Date	Apr 23, 2021
Instrument	201666

Lender

Name	CLAY CITY BANKING CO

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.75%

Tax Assessment & Valuation

The 2025 property tax bill for 1007 Rider St was $2,153 with a homeowner's exemption, up 7.5% from the year before.

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	$2,153.00 (+7.49%) Homeowner's exemption	$34,127 Land $2,772 Building $31,355	$102,381 Land $8,316 Building $94,065
2024	$2,003.00
2022	$1,591.00 (-11.71%) Homeowner's exemption	$22,711 Land $2,091 Building $20,620	$68,133 Land $6,273 Building $61,860
2021	$1,802.00

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

FEMA maps place 1007 Rider St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · 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

Wildfire risk around 1007 Rider St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 86% 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 150 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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