108 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 108 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,124 sqft · built 2004
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,130 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-256-017`

Property Details

APN / Parcel Number

Primary APN	`09-20-256-017`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,124 sqft Building Perimeter
1st Floor Area	1,124 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	125 ft deep x 56.2 ft wide
Garage Type	Attached
Garage Area	340 sqft
Porch	Slab
Deck Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920256017
Street Address	108 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 90 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	90
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 28, 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	108 E CLOVER AVE, CORTLAND, IL 60112-4114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK
Jun 20, 2018	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	108 E CLOVER AVE, CORTLAND, IL 60112-4114
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004475
Date	Apr 8, 2021
Instrument	2021004475

Lender

Name	FIRST STATE BANK
Type	Bank
Address	MENDOTA, IL 61342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	108 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000006289
Instrument Date	Jun 20, 2018
Transaction Type	Mortgage
Record Updated	Jul 18, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	108 E CLOVER AVE #AYE CORTLAND IL 601124114, CORTLAND, IL 60112-4114

Mortgage

Document Number	0000006289
Date	Jun 28, 2018
Instrument	6289

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, IL 60174

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 27, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.87%

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		$88,834 (+19.99%) Land $14,175 Building $74,659	$266,502 (+19.99%) Land $42,525 Building $223,977
2024	$8,130.00
2023		$74,032 Land $12,467 Building $61,565	$222,096 Land $37,401 Building $184,695

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

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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