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

Clay County property record for 415 W 4th St, Flora, IL 62839 · Last verified July 2026

Property Summary

Property TypeMobile Home
Details1 ba · 1,216 sqft · built 1995
Lot Size0.164 acres (7,160 sqft)
Owner2 Individual Names on File
Last Sale$50,000 (Mar 2021)
Tax Bill$619 (2024)
Deeds & MortgagesMay 2020 Mortgage
Mar 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN10-26-409-004

Property Details

APN / Parcel Number

Primary APN10-26-409-004

Interior

Full Baths1 Bath
Stories1 Story
Building Area1,216 sqft Living Area
FlooringCarpet
Interior WallsPaneling

Exterior

Year BuiltBuilt 1995
Effective Year BuiltEffective 1995
Architectural StyleMobile Home
Exterior MaterialOther
Foundation TypeNo Foundation
Roof MaterialOther
Lot Area7,160 sqft (0.164 acres)
PorchSlab
Porch Area48 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address415 W 4TH ST
CityFLORA
StateIL
Zip62839-1255
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Legal DescriptionM H PRESLEY'S 2ND ADDN BLOCK 7 LOT 10
Legal SubdivisionM H PRESLEYS 2ND ADD
Legal Block7
Legal Lot Number10
JurisdictionCLAY IL
Township / Civil DivisionHARTER
Census Block Group1
Census Block1044
Census Tract972100

Owner

Source: Clay County records · APN 10-26-409-004

Assessment roll updated September 5, 2025 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address415 W 4TH ST, FLORA, IL 62839-1255
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 08, 2020Deed of Trust, Mortgage · Conventional Mortgage
FLORA BANK & TRUST
Mar 25, 2021Warranty Deed, Transfer · Conventional Mortgage
CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 25, 2021 · Amount on Record
Deed SaleMar 25, 2021 · Amount on Record
Prior SaleNov 25, 2013 · Amount on Record
Deed Document Number2021201380
Record UpdatedSep 20, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY IL
Property Address415 W 4TH ST, FLORA, IL 62839-1255
Transaction TypeMortgage
Record UpdatedMar 07, 2023

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000198911
DateMay 08, 2020
Instrument198911
Lender
NameFLORA BANK & TRUST
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueJun 28, 2025
Interest
Rate TypeFixed Rate

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCLAY IL
Recording DateMar 25, 2021
Property Address415 W 4TH ST, FLORA, IL 62839-1255
Document Number0000201380
Instrument DateMar 19, 2021
Instrument201380
Transaction TypeTransfer
Record UpdatedMar 07, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$75.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1004 E 3RD ST, FLORA, IL 62839-2627

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address415 W 4TH ST, FLORA, IL 62839-1255

Mortgage

Document Number0000201381
DateMar 25, 2021
Instrument201381
Lender
NameCLAY CITY BANKING CO
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Interest
Rate4.75%

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated September 5, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateIllinois
CountyClay County
County SubdivisionHarter Township
MunicipalityFlora City
Unified School DistrictFlora Community Unit School District 35 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$15,172 (+32.08%) Land $2,772 Building $12,400$45,516 (+32.08%) Land $8,316 Building $37,200
2024$619.00 (+18.58%)
2022$522.00 (+11.54%) Homeowner's exemption$11,487 Land $2,091 Building $9,396$34,461 Land $6,273 Building $28,188
2021$468.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (17025C), updated January 17, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170259721001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2020)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 2020, rainfall accumulation

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 350 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
FrontierFiber5,000 / 5,000
Wabash Telephone CooperativeFiber1,000 / 1,000
AMG Technology Investment GroupFixed Wireless (licensed-by-rule)500 / 500
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Delta Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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