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

Clay County property record for 401 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 672 sqft · built 1940
Lot Size	0.09 acres (3,939 sqft)
Owner	2 Individual Names on File
Last Sale	$25,000 (Aug 2021)
Tax Bill	$90 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-225-013`

Property Details

APN / Parcel Number

Primary APN	`10-26-225-013`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	672 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	3,939 sqft (0.09 acres)
Porch	Slab
Porch Area	131 sqft

Location & Zoning

Street Address	401 W 5TH ST
City	FLORA
State	IL
Zip	62839-1102
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	A E BILLINGS 2ND ADDN N/2 LOT 13
Legal Subdivision	A E BILLINGS 2ND ADD
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1028
Census Tract	972100

Owner

401 W 5th St, a residential property, is owned by two individuals who acquired it in July 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	525 S GREEN ST, LOUISVILLE, IL 62858-1142
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

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY STATE BANK
Oct 15, 2025	Deed, Transfer ATTORNEY ONLY, ATTORNEY
Jan 26, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 12, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Deed Document Number	2021202643
Last Transfer Date	Jul 22, 2025
Transfer Doc	0000212231
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Jul 29, 2026
Property Address	401 W 5TH ST, FLORA, IL 62839-1102
Document Number	0000001397
Instrument Date	Jul 29, 2026
Instrument	20261397
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 S GREEN ST, LOUISVILLE, IL 62858-1142

Mortgage

Document Number	0000001397,
Date	Jul 29, 2026
Instrument	20261397

Lender

Name	CLAY COUNTY STATE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 29, 2031

Interest

Rate	6.43%
Max Rate	-1%

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Oct 15, 2025
Property Address	401 W 5TH ST, FLORA, IL 62839-1102
Document Number	0000212783
Instrument Date	Oct 7, 2025
Instrument	212783
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
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	525 S GREEN ST, LOUISVILLE, IL 62858-1142

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Jan 26, 2022
Property Address	401 W 5TH ST, FLORA, IL 62839-1102
Document Number	0000203977
Instrument Date	Nov 11, 2021
Instrument	203977
Transaction Type	Transfer
Record Updated	Feb 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E SYCAMORE ST, SUMNER, IL 62466-1073

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Aug 12, 2021
Property Address	401 W 5TH ST, FLORA, IL 62839-1102
Document Number	202643
Instrument Date	Aug 11, 2021
Instrument	202643
Transaction Type	Transfer
Record Updated	Sep 1, 2021

Transaction

Amount	Amount on Record
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1274 W MAIN ST, OLNEY, IL 62450-1176

Tax Assessment & Valuation

The 2025 property tax bill for 401 W 5th St was $90, down 79.1% 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	$90.00 (-79.07%)	$1,188 (-77.55%) Land $1,188	$3,564 (-77.55%) Land $3,564
2024	$430.00	$5,292 Land $1,066 Building $4,226	$15,876 Land $3,198 Building $12,678
2022	$426.00 (+9.51%)	$4,474 Land $905 Building $3,569	$13,422 Land $2,715 Building $10,707
2021	$389.00

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 401 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

The area around 401 W 5th St has no burnable land within ember reach, so its wildfire risk is not rated.

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 350 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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