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

Clay County property record for 835 W 5th St, Flora, IL 62839

Property Summary

Property Type	Multi-Family Dwellings
Details	1.5 ba · 1,479 sqft · built 1954
Lot Size	0.269 acres (11,725 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Nov 2023)
Tax Bill	$2,219 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Nov 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10-26-216-045`

Property Details

APN / Parcel Number

Primary APN	`10-26-216-045`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,479 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	11,725 sqft (0.269 acres)
Garage Area	345 sqft
Driveway	Asphalt Driveway
Driveway Area	500 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	179 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	835 W 5TH ST
City	FLORA
State	IL
Zip	62839-1138
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	WEST SIDE SCHOOL ADDN E/2 LOT 53 & ALL LOT 54
Legal Subdivision	WEST SIDE SCHOOL ADD
Legal Lot Number	53-54
Jurisdiction	CLAY IL
Township / Civil Division	HARTER
Census Block Group	1
Census Block	1036
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	835 W 5TH ST, FLORA, IL 62839-1138
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Nov 15, 2023	Administrator's Deed, Transfer · Line of Credit FIRST COMMUNITY BANK XENIA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2023 · Amount on Record
Deed Sale	Nov 15, 2023 · Amount on Record
Deed Document Number	2023208370
Prior Transfer Date	May 10, 2023
Prior Transfer Doc	0000207220
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY IL
Property Address	835 W 5TH ST, FLORA, IL 62839-1138
Transaction Type	Mortgage
Record Updated	Feb 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	D202600107
Date	Jan 20, 2026
Instrument	D202600107

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	3.48%

November 2023: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	CLAY IL
Recording Date	Nov 15, 2023
Property Address	835 W 5TH ST, FLORA, IL 62839-1138
Document Number	0000208370
Instrument Date	Nov 9, 2023
Instrument	208370
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 W 2ND ST, FLORA, IL 62839-1203

Mortgage

Document Number	0000208371
Date	Nov 15, 2023
Instrument	208371

Lender

Name	FIRST COMMUNITY BANK XENIA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	96 Months
Due	Jan 22, 2029

Interest

Rate Type	Adjustable Rate
Rate	8.25%

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	$2,219.00 (+4.87%)	$28,995 (+11.45%) Land $4,224 Building $24,771	$86,985 (+11.45%) Land $12,672 Building $74,313
2024	$2,116.00 (+128.76%)	$26,016 (-1.05%) Land $3,790 Building $22,226	$78,048 (-1.05%) Land $11,370 Building $66,678
2022	$925.00 (+7.43%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption	$26,293 Land $3,126 Building $23,167	$78,879 Land $9,378 Building $69,501
2021	$861.00

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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