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

Clay County property record for 626 W 4th St, Flora, IL 62839

Property Summary

Property Type	Single Family Home
Details	built 2001
Lot Size	0.477 acres (20,787 sqft)
Owner	2 Individual Names on File
Last Sale	$4,500 (Feb 2025)
Tax Bill	$3,155 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit May 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-404-002`

Property Details

APN / Parcel Number

Primary APN	`10-26-404-002`

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Lot Area	20,787 sqft (0.477 acres)

Location & Zoning

Street Address	626 W 4TH ST
City	FLORA
State	IL
Zip	62839-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	J M AMRIN'S SUB DIV BLOCK 2 LOT 5
Legal Subdivision	J M AMRINS SUB DIV
Legal Block	2
Legal Lot Number	5
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1035
Census Tract	972100

Owner

626 W 4th St is owned and occupied by two individuals who bought it in February 2025.

Source: Clay County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	626 W 4TH ST, FLORA, IL 62839-1214
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed of Trust, Mortgage · Line of Credit BANK TRUST
May 22, 2019	Special Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Dec 3, 2018	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2025 · Amount on File
Deed Sale	Feb 25, 2025 · Amount on File
Prior Sale	May 22, 2019 · Amount on File
Deed Document Number	2025211292
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Oct 9, 2026
Property Address	626 W 4TH ST, FLORA, IL 62839-1214
Document Number	0000001818
Instrument Date	Oct 2, 2026
Instrument	20261818
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	626 W 4TH ST, FLORA, IL 62839-1214

Mortgage

Document Number	0000001818,
Date	Oct 9, 2026
Instrument	20261818

Lender

Name	BANK TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

May 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 22, 2019
Property Address	626 W 4TH ST, FLORA, IL 62839-1214
Document Number	000D196657
Instrument Date	Apr 22, 2019
Instrument	D196657
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Tax	$26.25
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	503 BROADWAY AVE APT 303, 303, MATTOON, IL 61938-4460

December 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CLAY IL
Recording Date	Dec 3, 2018
Property Address	626 W 4TH ST, FLORA, IL 62839-1214
Document Number	000D195566
Instrument Date	Nov 13, 2018
Instrument	D195566
Transaction Type	Foreclosure
Record Updated	Oct 4, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 626 W 4th St was $3,155 with a homeowner's exemption, up 6.7% from the year before.

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	$3,155.00 (+6.66%) Homeowner's exemption	$47,211 Land $3,563 Building $43,648	$141,633 Land $10,689 Building $130,944
2024	$2,958.00
2022	$2,836.00 (+9.71%) Homeowner's exemption	$35,781 Land $2,708 Building $33,073	$107,343 Land $8,124 Building $99,219
2021	$2,585.00

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

Flood

FEMA maps place 626 W 4th 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

Wildfire risk around 626 W 4th St is low, with less than a 0.01% annual chance of 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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