114 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 114 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,124 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$204,000 (Dec 2020)
Tax Bill	$8,185 (2024)
Deeds & Mortgages	Sep 2026 Line of Credit Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-256-016`

Property Details

APN / Parcel Number

Primary APN	`09-20-256-016`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,124 sqft Building Perimeter
1st Floor Area	1,124 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2004
Exterior Material	Brick
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	340 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0920256016
Street Address	114 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 91 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	91
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 October 16, 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	114 E CLOVER AVE, CORTLAND, IL 60112-4114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 31, 2020	Warranty Deed, Transfer AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 31, 2020 · Amount on Record
Deed Sale	Dec 31, 2020 · Amount on Record
Prior Sale	May 8, 2013 · Amount on Record
Deed Document Number	202014315
Prior Transfer Date	Sep 12, 2012
Prior Transfer Doc	0000011583
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Sep 29, 2026
Property Address	114 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000008681
Instrument Date	Sep 22, 2026
Instrument	20268681
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E CLOVER AVE, CORTLAND, IL 60112-4114

Mortgage

Document Number	0000008681,
Date	Sep 29, 2026
Instrument	20268681

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 29, 2041

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Dec 31, 2020
Property Address	114 E CLOVER AVE, CORTLAND, IL 60112-4114
Document Number	0000014315
Instrument Date	Dec 21, 2020
Instrument	14315
Transaction Type	Transfer
Record Updated	Jan 27, 2021
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$10.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	114 E CLOVER AVE CORTLAND IL 601124114, CORTLAND, IL 60112-4114

Mortgage

Document Number	14316
Date	Dec 31, 2020
Instrument	14316

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

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		$89,558 (+17.41%) Land $14,175 Building $75,383	$268,674 (+17.41%) Land $42,525 Building $226,149
2024	$8,185.00
2023		$76,279 Land $12,467 Building $63,812	$228,837 Land $37,401 Building $191,436

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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