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

Clay County property record for 514 W 5th St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Lot Size	0.174 acres (7,613 sqft)
Owner	Individual Name on Record
Last Sale	$15,000 (Sep 2012)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Jul 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-222-009`

Property Details

APN / Parcel Number

Primary APN	`10-26-222-009`

Exterior

Lot Area	7,613 sqft (0.174 acres)

Location & Zoning

Street Address	514 W 5TH ST
City	FLORA
State	IL
Zip	62839-1103
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLEN E GOLDENS 1ST ADDN LOT 3-6
Legal Subdivision	ALLEN E GOLDENS FIRST ADDITION
Legal Lot Number	3-6
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1040
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	Individual Name on Record
Mailing Address	514 W 5TH ST, FLORA, IL 62839-1103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 15, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITY PARTNER SAVINGS BANK
Jul 8, 2022	Intrafamily Transfer, Transfer
Jan 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLORA SAVINGS BANK
Sep 10, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLORA SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2012 · Amount on Record
Deed Sale	Sep 10, 2012 · Amount on Record
Deed Document Number	2012177773
Last Transfer Date	Jul 5, 2022
Transfer Doc	0000205207
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	514 W 5TH ST, FLORA, IL 62839-1103
Transaction Type	Mortgage
Record Updated	Aug 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000207814
Date	Aug 15, 2023
Instrument	207814

Lender

Name	COMMUNITY PARTNER SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2043

Interest

Rate Type	Adjustable Rate

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY IL
Recording Date	Jul 8, 2022
Property Address	514 W 5TH ST, FLORA, IL 62839-1103
Document Number	0000205207
Instrument Date	Jul 5, 2022
Instrument	205207
Transaction Type	Transfer
Record Updated	Jul 27, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 SMITH ST, 301, CISNE, IL 62823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	514 W 5TH ST, FLORA, IL 62839-1103

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	514 W 5TH ST, FLORA, IL 62839-1103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D193330
Date	Jan 12, 2018
Instrument	D193330

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Mar 12, 2023

Interest

Rate Type	Fixed Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	514 W 5TH ST, FLORA, IL 62839-1103
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D195025
Date	Sep 10, 2018
Instrument	D195025

Lender

Name	FLORA SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 12, 2023

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	$712.00 (+13.2%) Homeowner's exemption	$15,308 (+38.79%) Land $8,447 Building $6,861	$45,924 (+38.79%) Land $25,341 Building $20,583
2024	$629.00 (+10.16%)
2022	$571.00 (+7.53%) Homeowner's exemption	$11,030 Land $6,323 Building $4,707	$33,090 Land $18,969 Building $14,121
2021	$531.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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