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109 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 109 E Clover Ave, Cortland, IL 60112 · Last verified May 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,296 sqft · built 2004
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$200,000 (Sep 2020)
Tax Bill$9,133 (2024)
Deeds & MortgagesSep 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN09-20-257-011

Property Details

APN / Parcel Number

Primary APN09-20-257-011

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,296 sqft Building Perimeter
1st Floor Area1,296 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialBrick
Construction TypeFrame
Lot Area7,841 sqft (0.18 acres)
Lot Dimensions137 ft deep x 56 ft wide
Garage TypeAttached
Garage Area320 sqft
PorchSlab

Utilities, Heating & Cooling

Cooling SystemCentral
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number0920257011
Street Address109 E CLOVER AVE
CityCORTLAND
StateIL
Zip60112-4114
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 104 - NEUCORT LAKES - UNIT 2
Legal SubdivisionNEUCORT LAKES
Legal Lot Number104
Legal Unit2
JurisdictionDE KALB IL
Township / Civil DivisionCORTLAND
Census Block Group4
Census Block4090
Census Tract1600

Owner

Source: DeKalb County records · APN 09-20-257-011

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 RecordIndividual Name on File
Mailing Address109 E CLOVER AVE, CORTLAND, IL 60112-4114
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 08, 2020 · Amount on Record
Deed SaleSep 08, 2020 · Amount on Record
Prior SaleMay 10, 2016 · Amount on Record
Deed Document Number20209172
Record UpdatedJun 08, 2026

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionDE KALB IL
Recording DateSep 08, 2020
Property Address109 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number0000009172
Instrument DateAug 22, 2020
Instrument9172
Transaction TypeTransfer
Record UpdatedSep 17, 2020
Title CompanyBAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1039 SPINNAKER ST ELGIN IL 601238580, ELGIN, IL 60123-8580

Mortgage

Document Number9173
DateSep 08, 2020
Instrument9173
Lender
NameAMERICAN FIDELITY MTG SVCS
TypeMortgage Company
AddressWHEATON, IL 60189-5831
Agreement
AmountAmount Recorded
Term360 Months
DueSep 07, 2050
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateIllinois
CountyDeKalb County
County SubdivisionCortland Township
MunicipalityCortland Town
Unified School DistrictDeKalb Community Unit School District 428 (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$101,843 (+20.25%) Land $14,175 Building $87,668$305,529 (+20.25%) Land $42,525 Building $263,004
2024$9,133.00
2023$84,695 Land $12,467 Building $72,228$254,085 Land $37,401 Building $216,684

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
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

ProviderTechnologyDownload / Upload (Mbps)
Metronet HoldingsFiber5,120 / 5,120
Mediacom CommunicationsCable1,000 / 50
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
Benton Ridge Telephone CompanyFixed Wireless (licensed-by-rule)100 / 20
OpiquadFixed Wireless (unlicensed)100 / 20

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

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