170 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 170 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 726 sqft · built 2003
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$134,500 (Jun 2015)
Tax Bill	$6,823 (2024)
Deeds & Mortgages	May 2023 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-277-009`

Property Details

APN / Parcel Number

Primary APN	`09-20-277-009`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	726 sqft Building Perimeter
1st Floor Area	726 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	125 ft deep x 56.2 ft wide
Garage Type	Attached
Garage Area	380 sqft
Porch	Open Porch
Deck Area	221 sqft

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	0920277009
Street Address	170 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 129 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	129
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 8, 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	170 E CLOVER AVE, CORTLAND, IL 60112-4016
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 23, 2017	Deed of Trust, Mortgage · FHA Mortgage FIRST DIRECT LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2015 · Amount on Record
Deed Sale	Jun 30, 2015 · Amount on Record
Deed Document Number	20156080
Prior Transfer Date	May 9, 2015
Prior Transfer Doc	0000004157
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	170 E CLOVER AVE, CORTLAND, IL 60112-4016
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003131
Date	May 10, 2023
Instrument	2023003131

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	6.25%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	170 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000002625
Instrument Date	Feb 23, 2017
Transaction Type	Mortgage
Record Updated	Jun 6, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	170 E CLOVER AVE CORTLAND IL 601124016, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000002625
Date	Mar 22, 2017
Instrument	2625

Lender

Name	FIRST DIRECT LNDG
Address	IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 21, 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		$71,882 (+19.61%) Land $14,175 Building $57,707	$215,646 (+19.61%) Land $42,525 Building $173,121
2024	$6,823.00
2023		$60,098 Land $12,467 Building $47,631	$180,294 Land $37,401 Building $142,893

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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