104 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 104 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 726 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Sep 2022)
Tax Bill	$8,407 (2024)
Deeds & Mortgages	Oct 2022 Transfer Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-256-018`

Property Details

APN / Parcel Number

Primary APN	`09-20-256-018`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	726 sqft Building Perimeter
1st Floor Area	726 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	125 ft deep x 56.2 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Open Porch
Patio Area	330 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	0920256018
Street Address	104 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 89 - NEUCORT LAKES - UNIT TWO
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	89
Legal Unit	2
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4091
Census Tract	1600

Owner

Source: DeKalb County records, as of April 8, 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	104 E CLOVER AVE, CORTLAND, IL 60112-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 22, 2022	Warranty Deed, Transfer · VA Mortgage GREENSTATE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2022 · Amount on Record
Deed Sale	Sep 22, 2022 · Amount on Record
Prior Sale	Sep 18, 2012 · Amount on Record
Deed Document Number	20229199
Last Transfer Date	Oct 19, 2022
Transfer Doc	0000010296
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	Oct 27, 2022
Property Address	104 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000010296
Map Reference	DOC 2003018583
Instrument Date	Oct 19, 2022
Instrument	2022010296
Transaction Type	Transfer
Record Updated	Nov 11, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 E CLOVER AVE, 104, CORTLAND, IL 60112-4114

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	104 E CLOVER AVE, CORTLAND, IL 60112-4114

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 22, 2022
Property Address	104 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000009199
Map Reference	DOC 2003018583
Instrument Date	Sep 9, 2022
Instrument	2022009199
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$245.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 E CLOVER AVE, CORTLAND, IL 60112-4114

Mortgage

Document Number	0000009200
Date	Sep 22, 2022
Instrument	2022009200

Lender

Name	GREENSTATE CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.75%

Tax Assessment & Valuation

Source: DeKalb County assessment roll, as of April 8, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$92,428 (+13.7%) Land $14,175 Building $78,253	$277,284 (+13.7%) Land $42,525 Building $234,759
2024	$8,407.00
2023		$81,292 Land $12,467 Building $68,825	$243,876 Land $37,401 Building $206,475

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 2, 2009 · 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	1 in force

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	Not rated no burnable land within 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	CORTLAND serves 4,398 people · EPA ID IL0370051
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	Under 1 ppb (2022–2024) 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
Watch TV Fixed Wireless	100 / 20
Fox Valley Internet Fixed Wireless	100 / 20

May also be available: Frontier.

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