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

Clay County property record for 537 W 4th St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Owner	Individual Name on Record
Last Sale	$67,000 (Dec 2021)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Apr 2017 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-407-021`

Property Details

APN / Parcel Number

Primary APN	`10-26-407-021`

Location & Zoning

Street Address	537 W 4TH ST
City	FLORA
State	IL
Zip	62839-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	M H PRESLEY'S 2ND ADDN BLOCK 3 N/2 LOTS 5-8
Legal Subdivision	M H PRESLEYS SECOND ADDITION
Legal Block	3
Legal Lot Number	5-8
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1043
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	537 W 4TH ST, FLORA, IL 62839-1256
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2017	Deed of Trust, Mortgage · Commercial Mortgage CLAY CITY BANKING CO
Dec 10, 2021	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2021 · Amount on Record
Deed Sale	Dec 10, 2021 · Amount on Record
Prior Sale	Sep 4, 2009 · Amount on Record
Deed Document Number	2021203625
Record Updated	Oct 29, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	537 W 4TH ST, FLORA, IL 62839-1256
Transaction Type	Mortgage
Record Updated	Mar 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000D191458
Date	Apr 18, 2017
Instrument	D191458

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2022

Interest

Rate Type	Fixed Rate

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 10, 2021
Property Address	537 W 4TH ST, FLORA, IL 62839-1256
Document Number	0000203625
Instrument Date	Dec 3, 2021
Instrument	203625
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	537 W 4TH ST, FLORA, IL 62839-1256

Mortgage

Document Number	0000203626
Date	Dec 10, 2021
Instrument	203626

Lender

Name	FLORA BANK & TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	3.8%

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	$2,271.00 (+7.33%) Homeowner's exemption	$35,670 (+32.15%) Land $11,086 Building $24,584	$107,010 (+32.15%) Land $33,258 Building $73,752
2024	$2,116.00 (+5.85%)
2022	$1,999.00 (+9.9%) Homeowner's exemption	$26,992 Land $8,365 Building $18,627	$80,976 Land $25,095 Building $55,881
2021	$1,819.00

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.

Nearby Properties on W 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures