186 E Lark Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 186 E Lark Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,290 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (May 2019)
Tax Bill	$8,705 (2024)
Deeds & Mortgages	May 2019 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-276-016`

Property Details

APN / Parcel Number

Primary APN	`09-20-276-016`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,290 sqft Building Perimeter
1st Floor Area	1,290 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	115 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	0920276016
Street Address	186 E LARK AVE
City	CORTLAND
State	IL
Zip	60112-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 153 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	153
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4087
Census Tract	1600

Owner

186 E Lark Ave is owned and occupied by two individuals who bought it in May 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	186 E LARK AVE, CORTLAND, IL 60112-4034
Occupancy	Owner Occupied
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

Date	Document
May 20, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 2, 2018	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MTG SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2019 · Amount on File
Deed Sale	May 20, 2019 · Amount on File
Prior Sale	Mar 4, 2011 · Amount on File
Deed Document Number	20194088
Prior Transfer Date	Nov 9, 2016
Prior Transfer Doc	0000011228
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	May 20, 2019
Property Address	186 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000004088
Instrument Date	May 15, 2019
Instrument	4088
Transaction Type	Transfer
Record Updated	Jun 6, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$174.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	186 E LARK AVE CORTLAND IL 601124034, CORTLAND, IL 60112-4034

Mortgage

Document Number	4089
Date	May 20, 2019
Instrument	4089

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 19, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	186 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000004310
Instrument Date	May 2, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	186 E LARK AVE CORTLAND IL 601124034, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000004310
Date	May 10, 2018
Instrument	4310

Lender

Name	CARRINGTON MTG SVCS
Address	CORTLAND, IL 60112

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 9, 2048

Interest

Rate Type	Fixed Rate
Rate	4.75%

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		$96,299 Land $14,175 Building $82,124	$288,897 Land $42,525 Building $246,372
2024	$8,705.00
2023		$80,025 Land $12,467 Building $67,558	$240,075 Land $37,401 Building $202,674

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 186 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 186 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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