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

Clay County property record for 408 W 4th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 936 sqft · built 1920
Lot Size	0.189 acres (8,245 sqft)
Owner	2 Individual Names on Record
Last Sale	$50,000 (Jun 2017)
Tax Bill	$1,390 (2025)
Deeds & Mortgages	Apr 2024 Transfer Jun 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-408-005`

Property Details

APN / Parcel Number

Primary APN	`10-26-408-005`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	936 sqft Living Area
Attic	Attic
Attic Area	936 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	8,245 sqft (0.189 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	216 sqft

Location & Zoning

Street Address	408 W 4TH ST
City	FLORA
State	IL
Zip	62839-1212
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	M H PRESLEY'S 2ND ADDN BLOCK 8 LOT 2
Legal Subdivision	M H PRESLEYS 2ND ADD
Legal Block	8
Legal Lot Number	2
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1029
Census Tract	972100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4905 TOWER RD, CLAY CITY, IL 62824-2250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Jun 23, 2017	Deed, Transfer · Commercial Mortgage CLAY CITY BANKING CO
Jun 23, 2017	Deed, Transfer QUAD CITY TITLE, QUAD COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2017 · Amount on Record
Deed Sale	Jun 23, 2017 · Amount on Record
Prior Sale	Jan 31, 2008 · Amount on Record
Deed Document Number	2017191953
Last Transfer Date	Apr 9, 2024
Transfer Doc	0000209228
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IL
Recording Date	Apr 9, 2024
Property Address	408 W 4TH ST, FLORA, IL 62839-1212
Document Number	0000209228
Map Reference	DOC 70734
Instrument Date	Apr 9, 2024
Instrument	209228
Transaction Type	Transfer
Record Updated	Apr 24, 2024
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 TOWER RD, CLAY CITY, IL 62824-2250

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jun 23, 2017
Property Address	408 W 4TH ST, FLORA, IL 62839-1212
Document Number	D191953
Instrument Date	Jun 15, 2017
Instrument	D191953
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
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	4905 TOWER RD, CLAY CITY, IL 62824-2250

Mortgage

Document Number	D191954
Date	Jun 23, 2017
Instrument	D191954

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CLAY IL
Recording Date	Jun 23, 2017
Property Address	408 W 4TH ST, FLORA, IL 62839-1212
Document Number	D191953
Instrument Date	Jun 15, 2017
Instrument	D191953
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount Recorded
Tax	$75.00
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	4905 TOWER RD, CLAY CITY, IL 62824-2250

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	$1,390.00 (+8.93%) Homeowner's exemption	$24,164 (+32.05%) Land $2,772 Building $21,392	$72,492 (+32.05%) Land $8,316 Building $64,176
2024	$1,276.00 (+8.97%)
2022	$1,171.00 (+10.26%) Homeowner's exemption	$18,299 Land $2,091 Building $16,208	$54,897 Land $6,273 Building $48,624
2021	$1,062.00

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	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

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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