Clay County property record for 635 W 7th St, Flora, IL 62839
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 1 ba · 1,092 sqft · built 1962 |
| Lot Size | 0.261 acres (11,403 sqft) |
| Owner | Individual Name on File |
| Last Sale | $65,000 (Dec 2017) |
| Tax Bill | $1,938 (2025) |
| Deeds & Mortgages | May 2022 Mortgage Dec 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-217-025 |
| Primary APN | 10-26-217-025 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Flooring | Wood |
| Interior Walls | Plaster |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Multi-Family |
| Exterior Material | Other |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Shingle |
| Lot Area | 11,403 sqft (0.261 acres) |
| Garage Area | 390 sqft |
| Driveway | Concrete Driveway |
| Driveway Area | 840 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 635 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 25 |
| Legal Subdivision | H F ADAMS SUB DIV |
| Legal Lot Number | 25 |
| Jurisdiction | CLAY IL |
| Township / Civil Division | HARTER |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 972100 |
635 W 7th St, a residential property, is owned and occupied by an individual who bought it in December 2017.
Source: Clay County records, as of October 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 635 W 7TH ST, FLORA, IL 62839-1143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 19, 2022 | Deed of Trust, Mortgage · Stand-Alone First Mortgage HUD |
| Dec 19, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2017 · Amount on File |
| Deed Sale | Dec 19, 2017 · Amount on File |
| Prior Sale | Oct 1, 2008 · Amount on File |
| Deed Document Number | 2017193157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IL |
| Property Address | 635 W 7TH ST, FLORA, IL 62839-1143 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000204824 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 204824 |
| Name | HUD |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 312 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY IL |
| Recording Date | Dec 19, 2017 |
| Property Address | 635 W 7TH ST, FLORA, IL 62839-1143 |
| Document Number | D193157 |
| Map Reference | PR C PG 167 |
| Instrument Date | Dec 11, 2017 |
| Instrument | D193157 |
| Transaction Type | Transfer |
| Record Updated | Sep 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $97.50 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 635 W 7TH ST, FLORA, IL 62839-1143 |
The 2025 property tax bill for 635 W 7th St was $1,938 with a homeowner's exemption, up 7.8% from the year before.
Source: Clay County assessment roll, as of October 15, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,938.00 (+7.79%) Homeowner's exemption | $31,321 Land $3,827 Building $27,494 | $93,963 Land $11,481 Building $82,482 |
| 2024 | $1,798.00 | ||
| 2022 | $1,684.00 (+9.99%) Homeowner's exemption | $23,688 Land $2,855 Building $20,833 | $71,064 Land $8,565 Building $62,499 |
| 2021 | $1,531.00 |
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.
FEMA maps place 635 W 7th 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.
The area around 635 W 7th St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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