103 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 103 E Clover Ave, Cortland, IL 60112 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,064 sqft · built 2003
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (Jun 2014)
Tax Bill	$7,493 (2024)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-257-010`

Property Details

APN / Parcel Number

Primary APN	`09-20-257-010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,064 sqft Building Perimeter
1st Floor Area	1,064 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	328 sqft
Porch	Slab
Deck Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0920257010
Street Address	103 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 103 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	103
Legal Unit	2
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4090
Census Tract	1600

Owner

Source: DeKalb County records · APN 09-20-257-010

Assessment roll updated April 8, 2026 · Last verified May 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 File
Mailing Address	103 E CLOVER AVE, CORTLAND, IL 60112-4114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 03, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jan 19, 2018	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 06, 2014 · Amount on Record
Deed Sale	Jun 06, 2014 · Amount on Record
Prior Sale	Mar 18, 2014 · Amount on Record
Deed Document Number	20145103
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	103 E CLOVER AVE, CORTLAND, IL 60112-4114
Transaction Type	Mortgage
Record Updated	Feb 02, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E CLOVER AVE, CORTLAND, IL 60112-4114

Mortgage

Document Number	0000000424
Date	Jan 18, 2024
Instrument	2024000424

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 01, 2034

Interest

Rate	5.75%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	103 E CLOVER AVE, CORTLAND, IL 60112-4114
Transaction Type	Mortgage
Record Updated	Dec 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015675
Date	Dec 03, 2021
Instrument	2021015675

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Dec 01, 2029

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	103 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000001008
Instrument Date	Jan 19, 2018
Transaction Type	Mortgage
Record Updated	Feb 21, 2018
Title Company	TITLE SERVICE AND LIAISON COMPANIES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E CLOVER AVE CORTLAND IL 601124114, CORTLAND, IL 60112-4114

Mortgage

Document Number	0000001008
Date	Jan 31, 2018
Instrument	1008

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	180 Months
Due	Jan 30, 2033

Tax Assessment & Valuation

Source: DeKalb County records · Assessment roll updated April 8, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Illinois
County	DeKalb County
County Subdivision	Cortland Township
Municipality	Cortland Town
Unified School District	DeKalb Community Unit School District 428 (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$85,896 (+19.84%) Land $14,175 Building $71,721	$257,688 (+19.84%) Land $42,525 Building $215,163
2024	$7,493.00
2023		$71,674 Land $12,467 Building $59,207	$215,022 Land $37,401 Building $177,621

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeKalb County (17037C), updated January 2, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170370016004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 253 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Mediacom Communications	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Benton Ridge Telephone Company	Fixed Wireless (licensed-by-rule)	100 / 20
Opiquad	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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