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

Clay County property record for 427 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,240 sqft · built 1895
Lot Size	0.18 acres (7,873 sqft)
Owner	Individual Name on File
Last Sale	$37,000 (Feb 2017)
Tax Bill	$827 (2025)
Deeds & Mortgages	Feb 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-225-009`

Property Details

APN / Parcel Number

Primary APN	`10-26-225-009`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

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	7,873 sqft (0.18 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft
Deck Area	140 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	427 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 LOT 9
Legal Subdivision	AMANDA E BILLINGS SECOND ADDITION
Legal Lot Number	9
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1028
Census Tract	972100

Owner

427 W 5th St, a residential property, is owned and occupied by an individual who bought it in February 2017.

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 File
Mailing Address	427 W 5TH ST, FLORA, IL 62839-1102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 6, 2017 · Amount on File
Deed Sale	Feb 6, 2017 · Amount on File
Prior Sale	Feb 19, 2010 · Amount on File
Deed Document Number	2017190947
Record Updated	Oct 29, 2026

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Feb 6, 2017
Property Address	427 W 5TH ST, FLORA, IL 62839-1102
Document Number	D190947
Instrument Date	Feb 4, 2017
Instrument	D190947
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	QUAD CITY TITLE, QUAD COUNTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$55.50
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	427 W 5TH ST, FLORA, IL 62839-1102

Mortgage

Document Number	D190948
Date	Feb 6, 2017
Instrument	D190948

Lender

Name	CLAY CITY BANKING CO

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	5.5%

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	$827.00 (+11.91%) Homeowner's exemption	$16,814 (+31.88%) Land $2,375 Building $14,439	$50,442 (+31.88%) Land $7,125 Building $43,317
2024	$739.00 (+15.11%)
2022	$642.00 (+11.07%) Homeowner's exemption	$12,749 Land $1,808 Building $10,941	$38,247 Land $5,424 Building $32,823
2021	$578.00

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 427 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 427 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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