703 West St, Flora, IL 62839 Property Records

Clay County property record for 703 West St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,511 sqft · built 1890
Lot Size	0.388 acres (16,924 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Sep 2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-200-015`

Property Details

APN / Parcel Number

Primary APN	`10-26-200-015`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,511 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	16,924 sqft (0.388 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	703 WEST ST
City	FLORA
State	IL
Zip	62839-1147
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SEC 26-3-6 IN CORP PT W/2 SE NE EX N 20 FT
Legal Range	06
Legal Township	03
Legal Section	26
Legal Subdivision	NA EDDYS ADDITION
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1024
Census Tract	972100

Owner

703 West St, a residential property, is owned and occupied by an individual who bought it in September 2026.

Source: Clay County records, as of October 15, 2026

Owner of Record	Individual Name on File
Mailing Address	424 E 2ND ST, FLORA, IL 62839-2516
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Sep 14, 2026	Correction Deed · Line of Credit BANK TRUST
Sep 14, 2026	Deed of Trust, Mortgage · Line of Credit BANK TRUST
Sep 2, 2026	Warranty Deed, Transfer · Line of Credit BANK TRUST
Jan 20, 2026	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on File
Deed Sale	Sep 2, 2026 · Amount on File
Deed Document Number	20261590
Prior Transfer Date	Jul 18, 2025
Prior Transfer Doc	D202600126
Record Updated	Oct 29, 2026

September 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	CLAY IL
Recording Date	Sep 14, 2026
Property Address	703 WEST ST, FLORA, IL 62839-1147
Document Number	0000001636
Instrument Date	Sep 8, 2026
Instrument	20261636
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E 2ND ST, FLORA, IL 62839-2516

Mortgage

Document Number	0000001636,
Date	Sep 14, 2026
Instrument	20261636

Lender

Name	BANK TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Sep 14, 2026
Property Address	703 WEST ST, FLORA, IL 62839-1147
Document Number	0000001637
Instrument Date	Aug 27, 2026
Instrument	20261637
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 WEST ST, FLORA, IL 62839-1147

Mortgage

Document Number	0000001637,
Date	Sep 14, 2026
Instrument	20261637

Lender

Name	BANK TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Sep 2, 2026
Property Address	703 WEST ST, FLORA, IL 62839-1147
Document Number	0000001590
Instrument Date	Aug 26, 2026
Instrument	20261590
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$6,817.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E 2ND ST, FLORA, IL 62839-2516

Mortgage

Document Number	0000001591,
Date	Sep 2, 2026
Instrument	20261591

Lender

Name	BANK TRUST

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months

Interest

Max Rate	-1%

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY IL
Recording Date	Jan 20, 2026
Property Address	703 WEST ST, FLORA, IL 62839-1147
Document Number	D202600126
Instrument Date	Jul 18, 2025
Instrument	D202600126
Transaction Type	Transfer
Record Updated	Feb 11, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6723 N STATE RD, LOUISVILLE, IL 62858-2951

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	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$18,337 (+11.45%) Land $2,639 Building $15,698	$55,011 (+11.45%) Land $7,917 Building $47,094
2024	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$16,453 Land $2,368 Building $14,085	$49,359 Land $7,104 Building $42,255
2022	Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$13,827 Land $1,933 Building $11,894	$41,481 Land $5,799 Building $35,682

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

FEMA maps place 703 West 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 703 West 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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