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

Clay County property record for 741 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1 ba · 1,324 sqft · built 1953
Lot Size	0.179 acres (7,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$69,000 (Oct 2018)
Tax Bill	$1,687 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10-26-216-048`

Property Details

APN / Parcel Number

Primary APN	`10-26-216-048`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,324 sqft Living Area
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Multi-Family
Exterior Material	Other
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Shingle
Lot Area	7,830 sqft (0.179 acres)
Garage Area	720 sqft
Driveway	Concrete Driveway
Driveway Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	741 W 5TH ST
City	FLORA
State	IL
Zip	62839-1137
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	WEST SIDE SCHOOL ADDN LOT 57
Legal Subdivision	WEST SIDE SCHOOL ADD
Legal Lot Number	57
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1036
Census Tract	972100

Owner

Source: Clay County records, as of July 20, 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	741 W 5TH ST, FLORA, IL 62839-1137
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Apr 14, 2022	Warranty Deed, Transfer · FHA Mortgage HOME LOAN EXPERT LLC
Oct 9, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2018 · Amount on Record
Deed Sale	Oct 9, 2018 · Amount on Record
Deed Document Number	2018195207
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Recording Date	Apr 30, 2026
Property Address	741 W 5TH ST, FLORA, IL 62839-1137
Document Number	0000000803
Instrument Date	Apr 13, 2026
Instrument	2026803
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	741 W 5TH ST, FLORA, IL 62839-1137
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000803,
Date	Apr 30, 2026
Instrument	2026803

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	May 1, 2052

Interest

Rate	6.11%
Max Rate	-1%

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Apr 14, 2022
Property Address	741 W 5TH ST, FLORA, IL 62839-1137
Document Number	0000204588
Map Reference	PB C PG 149
Instrument Date	Apr 14, 2022
Instrument	204588
Transaction Type	Transfer
Record Updated	Jun 1, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111.75
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	741 W 5TH ST, FLORA, IL 62839-1137

Mortgage

Document Number	0000204589
Date	Apr 14, 2022
Instrument	204589

Lender

Name	HOME LOAN EXPERT LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY IL
Recording Date	Oct 9, 2018
Property Address	741 W 5TH ST, FLORA, IL 62839-1137
Document Number	D195207
Instrument Date	Oct 5, 2018
Instrument	D195207
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	BRAY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$103.50
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	741 W 5TH ST, FLORA, IL 62839-1137

Mortgage

Document Number	000D195208
Date	Oct 9, 2018
Instrument	D195208

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 5, 2025

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		$29,793 (+11.45%) Land $2,903 Building $26,890	$89,379 (+11.45%) Land $8,709 Building $80,670
2024	$1,687.00 (+79.85%)	$26,732 (+20.9%) Land $2,605 Building $24,127	$80,196 (+20.9%) Land $7,815 Building $72,381
2022	$938.00 (+8.56%) Homeowner's exemption Senior Citizen's exemption	$22,111 Land $2,198 Building $19,913	$66,333 Land $6,594 Building $59,739
2021	$864.00

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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