153 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 153 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,096 sqft · built 2004
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,333 (Jan 2022)
Tax Bill	$7,801 (2024)
Deeds & Mortgages	Aug 2026 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-278-002`

Property Details

APN / Parcel Number

Primary APN	`09-20-278-002`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,096 sqft Building Perimeter
1st Floor Area	1,096 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	360 sqft

Exterior Amenities

Porch	Open Porch
Patio Area	84 sqft
Shed	1 Shed
Shed Area	84 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920278002
Street Address	153 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 110 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	110
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4085
Census Tract	1600

Owner

Source: DeKalb County records, as of September 14, 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	153 E CLOVER AVE, CORTLAND, IL 60112-4016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage POINT DIGITAL FINANCIAL INC
Jan 27, 2022	Intrafamily Transfer, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 13, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Mar 18, 2019	Warranty Deed, Transfer · FHA Mortgage OLD SECOND NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2022 · Amount on Record
Deed Sale	Jan 27, 2022 · Amount on Record
Prior Sale	Mar 18, 2019 · Amount on Record
Deed Document Number	20221042
Prior Transfer Date	Jan 3, 2022
Prior Transfer Doc	0000001042
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Aug 28, 2026
Property Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000007750
Instrument Date	Aug 10, 2026
Instrument	20267750
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000007750,
Date	Aug 28, 2026
Instrument	20267750

Lender

Name	POINT DIGITAL FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	Jan 27, 2022
Property Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000001042
Map Reference	DOC 2004002345
Instrument Date	Jan 2, 2022
Instrument	2022001042
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000001043
Date	Jan 27, 2022
Instrument	2022001043

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Fixed Rate
Rate	3.62%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000010570
Date	Aug 13, 2021
Instrument	2021010570

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Apr 1, 2049

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 18, 2019
Property Address	153 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000001903
Instrument Date	Mar 18, 2019
Instrument	1903
Transaction Type	Transfer
Record Updated	Mar 28, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	153 E CLOVER AVE CORTLAND IL 601124016, CORTLAND, IL 60112-4016

Mortgage

Document Number	1904
Date	Mar 18, 2019
Instrument	1904

Lender

Name	OLD SECOND NAT'L BK
Type	Bank
Address	AURORA, IL 60506

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Interest

Rate Type	Fixed Rate
Rate	4.62%

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		$84,570 (+20.04%) Land $14,175 Building $70,395	$253,710 (+20.04%) Land $42,525 Building $211,185
2024	$7,801.00
2023		$70,449 Land $12,467 Building $57,982	$211,347 Land $37,401 Building $173,946

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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