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

Clay County property record for 128 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 935 sqft · built 1895
Lot Size	0.153 acres (6,700 sqft)
Owner	Individual Name on Record
Last Sale	$40,500 (Mar 2020)
Tax Bill	$1,029 (2025)
Deeds & Mortgages	Nov 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-25-120-024`

Property Details

APN / Parcel Number

Primary APN	`10-25-120-024`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	935 sqft Living Area
Basement Area	169 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1895
Effective Year Built	Effective 1895
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	6,700 sqft (0.153 acres)
Porch	Slab
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	128 W 5TH ST
City	FLORA
State	IL
Zip	62839-1506
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M L ARMSTRONG'S SUB DIV LOT 25
Legal Subdivision	M L ARMSTRONGS SUB DIV
Legal Lot Number	25
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	3
Census Block	3047
Census Tract	972100

Owner

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 Record
Mailing Address	128 W 5TH ST, FLORA, IL 62839-1506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Deed of Trust, Mortgage HUD
Mar 18, 2020	Warranty Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2020 · Amount on Record
Deed Sale	Mar 18, 2020 · Amount on Record
Deed Document Number	2020198627
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	128 W 5TH ST, FLORA, IL 62839-1506
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000206138
Date	Nov 21, 2022
Instrument	206138

Lender

Name	HUD
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	336 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Mar 18, 2020
Property Address	128 W 5TH ST, FLORA, IL 62839-1506
Document Number	D198627
Instrument Date	Mar 10, 2020
Instrument	D198627
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.75
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	128 W 5TH ST, FLORA, IL 62839-1506

Mortgage

Document Number	000D198628
Date	Mar 18, 2020
Instrument	D198628

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$1,029.00 (+10.53%) Homeowner's exemption	$19,440 (+31.93%) Land $3,960 Building $15,480	$58,320 (+31.93%) Land $11,880 Building $46,440
2024	$931.00 (+12.03%)
2022	$831.00 (+10.65%) Homeowner's exemption	$14,735 Land $3,005 Building $11,730	$44,205 Land $9,015 Building $35,190
2021	$751.00

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2015)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2015 · 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

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

Wildfire Risk	Not rated no burnable land within 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 440 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
T-Mobile Fixed Wireless	100 / 20

May also be available: ClearWave.

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