1060 W 5th St, Flora, IL 62839 Property Records

Clay County property record for 1060 W 5th St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Details	built 1984
Lot Size	0.271 acres (11,819 sqft)
Owner	2 Individual Names on File
Last Sale	$91,000 (Mar 2026)
Tax Bill	$637 (2025)
Deeds & Mortgages	Mar 2026 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-26-102-014`

Property Details

APN / Parcel Number

Primary APN	`10-26-102-014`

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Lot Area	11,819 sqft (0.271 acres)

Location & Zoning

Street Address	1060 W 5TH ST
City	FLORA
State	IL
Zip	62839-1157
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ZINK'S 1ST ADDN LOT 13
Legal Subdivision	ZINKS 1ST ADD
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1015
Census Tract	972100

Owner

1060 W 5th St is owned and occupied by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	1060 W 5TH ST, FLORA, IL 62839-1157
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 5, 2026 · Amount on File
Deed Sale	Mar 5, 2026 · Amount on File
Prior Sale	Aug 4, 2025 · Amount on File
Deed Document Number	2026416
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 5, 2026
Property Address	1060 W 5TH ST, FLORA, IL 62839-1157
Document Number	D202600416
Map Reference	PR G PG 36
Instrument Date	Mar 4, 2026
Instrument	D202600416
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1060 W 5TH ST, FLORA, IL 62839-1157

Mortgage

Document Number	D202600417
Date	Mar 5, 2026
Instrument	D202600417

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Apr 25, 2031

Interest

Rate Type	Fixed Rate
Rate	7.5%

Tax Assessment & Valuation

The 2025 property tax bill for 1060 W 5th St was $637.

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	$637.00 Homeowner's exemption Senior Citizen's exemption	$8,332 (+11.45%) Land $5,279 Building $3,053	$24,996 (+11.45%) Land $15,837 Building $9,159
2024		$7,476 Land $4,737 Building $2,739	$22,428 Land $14,211 Building $8,217
2022	Homeowner's exemption Senior Citizen's exemption	$6,303 Land $3,990 Building $2,313	$18,909 Land $11,970 Building $6,939

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1060 W 5th 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 1060 W 5th 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 97% of the US · lower than 79% 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 51 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

May also be available: T-Mobile.

Nearby Properties on W 5th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures