601 W 7th St, Flora, IL 62839 Property Records

Clay County property record for 601 W 7th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1.5 ba · 1,625 sqft · built 1966
Lot Size	0.308 acres (13,430 sqft)
Owner	2 Individual Names on Record
Last Sale	$58,333 (Aug 2022)
Tax Bill	$4,984 (2025)
Deeds & Mortgages	Oct 2025 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-217-031`

Property Details

APN / Parcel Number

Primary APN	`10-26-217-031`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,625 sqft Living Area
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	13,430 sqft (0.308 acres)
Driveway	Concrete Driveway
Driveway Area	396 sqft
Pool Area	300 sqft
Patio Area	2,144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	601 W 7TH ST
City	FLORA
State	IL
Zip	62839-1143
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	H F ADAMS SUB DIV LOT 31
Legal Subdivision	H F ADAMS SUB DIV
Legal Lot Number	31
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1033
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	601 W 7TH ST, FLORA, IL 62839-1143
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY FCU
May 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FLORA BANKING CO
Aug 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST
Aug 13, 2018	Warranty Deed, Transfer · Conventional Mortgage CLAY COUNTY STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Aug 13, 2018 · Amount on Record
Deed Document Number	2022205430
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	601 W 7TH ST, FLORA, IL 62839-1143
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000212899
Date	Oct 31, 2025
Instrument	212899

Lender

Name	LIBERTY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2040

Interest

Rate Type	Fixed Rate
Rate	6.13%

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	601 W 7TH ST, FLORA, IL 62839-1143
Transaction Type	Mortgage
Record Updated	Jun 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018D194188
Date	May 15, 2018
Instrument	2018D194188

Lender

Name	FLORA BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2023

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Aug 12, 2022
Property Address	601 W 7TH ST, FLORA, IL 62839-1143
Document Number	0000205430
Map Reference	PLCPG167
Instrument Date	Aug 9, 2022
Instrument	205430
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$262.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	601 W 7TH ST, FLORA, IL 62839-1143

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	601 W 7TH ST, FLORA, IL 62839-1143

Mortgage

Document Number	0000205431
Date	Aug 12, 2022
Instrument	205431

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 9, 2027

Interest

Rate Type	Fixed Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Aug 13, 2018
Property Address	601 W 7TH ST, FLORA, IL 62839-1143
Document Number	D194859
Map Reference	PR C PG 167
Instrument Date	Aug 13, 2018
Instrument	D194859
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	BRAY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$184.50
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	601 W 7TH ST, FLORA, IL 62839-1143
Investor	Possibly a Property Investor

Mortgage

Document Number	000D194860
Date	Aug 13, 2018
Instrument	D194860

Lender

Name	CLAY COUNTY STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 13, 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	$4,984.00 (+6%) Homeowner's exemption	$71,101 (+11.45%) Land $4,488 Building $66,613	$213,303 (+11.45%) Land $13,464 Building $199,839
2024	$4,702.00 (+18.02%)	$63,796 (+33.37%) Land $4,027 Building $59,769	$191,388 (+33.37%) Land $12,081 Building $179,307
2022	$3,984.00 (+9.6%) Homeowner's exemption	$47,835 Land $3,403 Building $44,432	$143,505 Land $10,209 Building $133,296
2021	$3,635.00

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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