1100 W 4th St, Flora, IL 62839 Property Records

Clay County property record for 1100 W 4th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	2 ba · 1,051 sqft · built 2011
Lot Size	0.275 acres (12,007 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Mar 2018)
Tax Bill	$3,776 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-315-006`

Property Details

APN / Parcel Number

Primary APN	`10-26-315-006`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,051 sqft Living Area

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Multi-Family
Construction Type	Frame
Foundation Type	Raised
Lot Area	12,007 sqft (0.275 acres)
Garage Area	484 sqft
Driveway	Concrete Driveway
Driveway Area	660 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	119 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	1100 W 4TH ST
City	FLORA
State	IL
Zip	62839-1336
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SOMERSET SUBDIV LOT 6
Legal Subdivision	SOMERSET SUB
Legal Lot Number	6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1054
Census Tract	972100

Owner

1100 W 4th St, a residential property, is owned and occupied by two individuals who bought it in March 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1100 W 4TH ST, FLORA, IL 62839-1336
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Apr 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage INB NA
Mar 19, 2018	Deed, Transfer · Conventional Mortgage ILLINOIS NATIONAL BANK
Feb 26, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2018 · Amount on File
Deed Sale	Mar 19, 2018 · Amount on File
Prior Sale	Feb 26, 2018 · Amount on File
Deed Document Number	2018193752
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	1100 W 4TH ST, FLORA, IL 62839-1336
Transaction Type	Mortgage
Record Updated	May 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209245
Date	Apr 12, 2024
Instrument	209245

Lender

Name	INB NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.88%

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Mar 19, 2018
Property Address	1100 W 4TH ST, FLORA, IL 62839-1336
Document Number	D193752
Map Reference	DOC 126406
Instrument Date	Mar 16, 2018
Instrument	D193752
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$202.50
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	1100 W 4TH ST, FLORA, IL 62839-1336

Mortgage

Document Number	D193753
Date	Mar 19, 2018
Instrument	D193753

Lender

Name	ILLINOIS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	72 Months
Due	Apr 1, 2024

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Feb 26, 2018
Property Address	1100 W 4TH ST, FLORA, IL 62839-1336
Document Number	D193594
Map Reference	PB H PG 108
Instrument Date	Feb 26, 2018
Instrument	D193594
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount on Record
Tax	$202.50
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	52 NATCHEZ TRCE, FLORA, IL 62839-2337

Tax Assessment & Valuation

The 2025 property tax bill for 1100 W 4th St was $3,776 with a homeowner's exemption, up 6.3% 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	$3,776.00 (+6.34%) Homeowner's exemption	$55,325 Land $3,511 Building $51,814	$165,975 Land $10,533 Building $155,442
2024	$3,551.00
2022	$3,351.00 (+9.65%) Homeowner's exemption	$41,192 Land $2,552 Building $38,640	$123,576 Land $7,656 Building $115,920
2021	$3,056.00

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 1100 W 4th 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 1100 W 4th 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 149 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: ClearWave, T-Mobile.

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