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

Clay County property record for 713 W 7th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,462 sqft · built 1974
Lot Size	0.463 acres (20,174 sqft)
Owner	2 Individual Names on Record
Last Sale	$56,500 (Dec 2022)
Tax Bill	$4,655 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-216-059`

Property Details

APN / Parcel Number

Primary APN	`10-26-216-059`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,462 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	20,174 sqft (0.463 acres)
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Deck Area	180 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	713 W 7TH ST
City	FLORA
State	IL
Zip	62839-1144
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	WEST SIDE SCHOOL ADDN OUT LOT 2 EX E 80' & EX W 75'
Legal Subdivision	WEST SIDE SCHOOL ADD
Legal Lot Number	2
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	713 W 7TH ST, FLORA, IL 62839-1144
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2023	Deed of Trust, Mortgage · Line of Credit CLAY CITY BANKING CO
Dec 8, 2022	Warranty Deed, Transfer · Conventional Mortgage CLAY CITY BANKING CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 8, 2022 · Amount on Record
Deed Sale	Dec 8, 2022 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	2022206265
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	713 W 7TH ST, FLORA, IL 62839-1144
Transaction Type	Mortgage
Record Updated	Dec 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000208466
Date	Nov 28, 2023
Instrument	208466

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 5, 2024

Interest

Rate Type	Fixed Rate
Rate	9.5%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Dec 8, 2022
Property Address	713 W 7TH ST, FLORA, IL 62839-1144
Document Number	0000206265
Instrument Date	Nov 28, 2022
Instrument	206265
Transaction Type	Transfer
Record Updated	Dec 28, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$254.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	713 W 7TH ST, FLORA, IL 62839-1144

Mortgage

Document Number	0000206266
Date	Dec 8, 2022
Instrument	206266

Lender

Name	CLAY CITY BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2052

Interest

Rate Type	Fixed Rate
Rate	6.75%

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	$4,655.00 (-11.21%) Homeowner's exemption	$71,812 (+94.96%) Land $4,552 Building $67,260	$215,436 (+94.96%) Land $13,656 Building $201,780
2024	$5,243.00 (+78.58%)
2022	$2,936.00 (+9.72%) Homeowner's exemption	$36,835 Land $3,449 Building $33,386	$110,505 Land $10,347 Building $100,158
2021	$2,676.00

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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