164 E Lark Ave, Cortland, IL 60112 Property Records

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

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,200 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jul 2025)
Tax Bill	$8,801 (2024)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-276-012`

Property Details

APN / Parcel Number

Primary APN	`09-20-276-012`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,200 sqft Building Perimeter
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	115 ft deep x 52.2 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Open Porch
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920276012
Street Address	164 E LARK AVE
City	CORTLAND
State	IL
Zip	60112-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 157 - NEUCORT LAKES - UNIT THREE
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	157
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4087
Census Tract	1600

Owner

164 E Lark Ave is owned by two individuals who bought it in July 2025.

Source: DeKalb County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2631 N 1ST ST, DEKALB, IL 60115-1073
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2025 · Amount on File
Deed Sale	Jul 11, 2025 · Amount on File
Prior Sale	Jul 29, 2013 · Amount on File
Deed Document Number	20255201
Prior Transfer Date	Dec 16, 2013
Prior Transfer Doc	0000015562
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 11, 2025
Property Address	164 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000005201
Map Reference	DOC 2004002345
Instrument Date	Jun 17, 2025
Instrument	2025005201
Transaction Type	Transfer
Record Updated	Mar 31, 2026
Title Company	GST

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	164 E LARK AVE, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000005202
Date	Jul 11, 2025
Instrument	2025005202

Lender

Name	MLD MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Interest

Rate Type	Fixed Rate
Rate	7.12%

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		$91,155 Land $14,175 Building $76,980	$273,465 Land $42,525 Building $230,940
2024	$8,801.00
2023		$75,840 Land $12,467 Building $63,373	$227,520 Land $37,401 Building $190,119

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

FEMA maps place 164 E Lark Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 164 E Lark Ave is low, with less than a 0.01% annual chance of 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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