732 W 5th St, Flora, IL 62839 Property Records

Clay County property record for 732 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 992 sqft · built 1954
Lot Size	0.171 acres (7,480 sqft)
Owner	Individual Name on Record
Last Sale	$61,000 (May 2019)
Tax Bill	$658 (2025)
Deeds & Mortgages	May 2026 Transfer May 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-216-038`

Property Details

APN / Parcel Number

Primary APN	`10-26-216-038`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	992 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	Raised
Roof Material	Shingle
Lot Area	7,480 sqft (0.171 acres)
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	732 W 5TH ST
City	FLORA
State	IL
Zip	62839-1106
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	WEST SIDE SCHOOL ADDN LOT 45
Legal Subdivision	WEST SIDE SCHOOL ADD
Legal Lot Number	45
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1037
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	Individual Name on Record
Mailing Address	732 W 5TH ST, FLORA, IL 62839-1106
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
May 2, 2019	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST
Nov 13, 2018	Warranty Deed, Transfer · Conventional Mortgage FLORA BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 2, 2019 · Amount on Record
Deed Sale	May 2, 2019 · Amount on Record
Prior Sale	Nov 13, 2018 · Amount on Record
Deed Document Number	20196532
Last Transfer Date	May 20, 2026
Transfer Doc	0000000983
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLAY IL
Recording Date	May 21, 2026
Property Address	732 W 5TH ST, FLORA, IL 62839-1106
Document Number	0000000983
Instrument Date	May 20, 2026
Instrument	2026983
Transaction Type	Transfer
Record Updated	Aug 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

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	May 2, 2019
Property Address	732 W 5TH ST, FLORA, IL 62839-1106
Document Number	000D196532
Instrument Date	Apr 18, 2019
Instrument	D196532
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91.50
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	732 W 5TH ST, FLORA, IL 62839-1106

Mortgage

Document Number	000D196533
Date	May 2, 2019
Instrument	D196533

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jun 18, 2024

Interest

Rate Type	Fixed Rate

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Nov 13, 2018
Property Address	732 W 5TH ST, FLORA, IL 62839-1106
Document Number	D195432
Instrument Date	Nov 8, 2018
Instrument	D195432
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.25
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	1601 OLIVE ST, FLORA, IL 62839-3244

Mortgage

Document Number	000D195433
Date	Nov 13, 2018
Instrument	D195433

Lender

Name	FLORA BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 8, 2024

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	$658.00 (-5.87%) Homeowner's exemption Senior Citizen's exemption	$27,434 (+11.45%) Land $2,772 Building $24,662	$82,302 (+11.45%) Land $8,316 Building $73,986
2024	$699.00 (-14.55%)	$24,615 (+18.47%) Land $2,487 Building $22,128	$73,845 (+18.47%) Land $7,461 Building $66,384
2022	$818.00 (+7.49%) Homeowner's exemption Senior Citizen's exemption	$20,777 Land $2,091 Building $18,686	$62,331 Land $6,273 Building $56,058
2021	$761.00

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.

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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