174 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 174 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,144 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,000 (Sep 2021)
Tax Bill	$8,093 (2024)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09-20-277-008`

Property Details

APN / Parcel Number

Primary APN	`09-20-277-008`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,144 sqft Building Perimeter
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
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	400 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920277008
Street Address	174 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 128 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	128
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	174 E CLOVER AVE, CORTLAND, IL 60112-4016
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Oct 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Oct 30, 2020
Deed Document Number	202112771
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 30, 2021
Property Address	174 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000012771
Map Reference	DOC 2004002345
Instrument Date	Sep 27, 2021
Instrument	2021012771
Transaction Type	Transfer
Record Updated	Oct 15, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.50
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	174 E CLOVER AVE, CORTLAND, IL 60112-4016

Mortgage

Document Number	0000012772
Date	Sep 30, 2021
Instrument	2021012772

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 30, 2020
Property Address	174 E CLOVER AVE, CORTLAND, IL 60112-4016
Document Number	0000011336
Instrument Date	Oct 26, 2020
Instrument	11336
Transaction Type	Transfer
Record Updated	Nov 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	222 S WASHINGTON ST GENOA IL 601351161, GENOA, IL 60135-1161

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		$88,361 (+13.7%) Land $14,175 Building $74,186	$265,083 (+13.7%) Land $42,525 Building $222,558
2024	$8,093.00
2023		$77,714 Land $12,467 Building $65,247	$233,142 Land $37,401 Building $195,741

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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