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

Clay County property record for 609 W 4th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,176 sqft · built 1900
Lot Size	0.161 acres (7,048 sqft)
Owner	Company Name on Record
Tax Bill	$338 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-405-006`

Property Details

APN / Parcel Number

Primary APN	`10-26-405-006`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,176 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,048 sqft (0.161 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	609 W 4TH ST
City	FLORA
State	IL
Zip	62839-1268
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	J M AMRIN'S SUB DIV BLOCK 1 LOT 13
Legal Subdivision	J M AMRINS SUB DIV
Legal Block	1
Legal Lot Number	13
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1047
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	Company Name on Record
Mailing Address	609 W 4TH ST, FLORA, IL 62839-1268
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK
Jun 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 4, 2022
Transfer Doc	0000206053
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	609 W 4TH ST, FLORA, IL 62839-1268
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	203022
Date	Sep 24, 2021
Instrument	203022

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Aug 27, 2024

Interest

Rate Type	Fixed Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	609 W 4TH ST, FLORA, IL 62839-1268
Transaction Type	Mortgage
Record Updated	Jun 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D194298
Date	Jun 1, 2018
Instrument	D194298

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 23, 2021

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	$338.00 (+32.55%) Homeowner's exemption Disabled Person's exemption	$12,421 (+31.94%) Land $2,772 Building $9,649	$37,263 (+31.94%) Land $8,316 Building $28,947
2024	$255.00 (+90.3%)
2022	$134.00 (+21.82%) Homeowner's exemption Disabled Person's exemption	$9,414 Land $2,103 Building $7,311	$28,242 Land $6,309 Building $21,933
2021	$110.00

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	Low lower than 99.1% of the US · lower than 94% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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