164 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 164 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,173 sqft · built 2004
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$159,000 (Mar 2019)
Tax Bill	$8,309 (2024)
Deeds & Mortgages	Apr 2021 Mortgage Mar 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-277-010`

Property Details

APN / Parcel Number

Primary APN	`09-20-277-010`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,173 sqft Building Perimeter
1st Floor Area	1,173 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Raised Ranch
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	125 ft deep x 52.2 ft wide
Garage Type	Attached
Garage Area	550 sqft
Deck Area	330 sqft

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0920277010
Street Address	164 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 130 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	130
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4084
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	164 E CLOVER AVE, CORTLAND, IL 60112-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage KANE COUNTY TEACHERS CU
Mar 26, 2019	Warranty Deed, Transfer · VA Mortgage KANE CNTY TEACHERS CU
Feb 5, 2016	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 26, 2019 · Amount on Record
Deed Sale	Mar 26, 2019 · Amount on Record
Prior Sale	Jun 22, 2011 · Amount on Record
Deed Document Number	20192193
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	164 E CLOVER AVE, CORTLAND, IL 60112-4016
Transaction Type	Mortgage
Record Updated	May 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005238
Date	Apr 23, 2021
Instrument	2021005238

Lender

Name	KANE COUNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Mar 26, 2019
Property Address	164 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000002193
Instrument Date	Mar 20, 2019
Instrument	2193
Transaction Type	Transfer
Record Updated	Apr 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1358 MONOMOY ST #F AURORA IL 605066706, F, AURORA, IL 60506-6706

Mortgage

Document Number	2194
Date	Mar 26, 2019
Instrument	2194

Lender

Name	KANE CNTY TEACHERS CU
Type	Credit Union
Address	ELGIN, IL 60123

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 25, 2049

February 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	164 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000000608
Instrument Date	Feb 5, 2016
Transaction Type	Mortgage
Record Updated	Mar 27, 2017
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 E CLOVER AVE CORTLAND IL 601124016, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000000608
Date	Jan 26, 2017
Instrument	608

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2047

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		$84,774 (+19.83%) Land $14,175 Building $70,599	$254,322 (+19.83%) Land $42,525 Building $211,797
2024	$8,309.00
2023		$70,748 Land $12,467 Building $58,281	$212,244 Land $37,401 Building $174,843

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	Low lower than 98% of the US · lower than 86% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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