187 E Warbler Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 187 E Warbler Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,296 sqft · built 2005
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,658 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-276-027`

Property Details

APN / Parcel Number

Primary APN	`09-20-276-027`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,296 sqft Building Perimeter
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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 53.1 ft wide
Garage Type	Attached
Garage Area	320 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920276027
Street Address	187 E WARBLER AVE
City	CORTLAND
State	IL
Zip	60112-4084
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 177 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	177
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4087
Census Tract	1600

Owner

187 E Warbler Ave is owned and occupied by two individuals who acquired it in July 2026.

Source: DeKalb County records, as of August 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 21, 2026	Quit Claim Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV
Aug 9, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY
Aug 3, 2017	Deed of Trust, Mortgage · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2026
Deed Sale	Jul 21, 2026
Prior Sale	Aug 9, 2017 · Amount on File
Deed Document Number	20266334
Prior Transfer Date	Jun 13, 2026
Prior Transfer Doc	0000006334
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Jul 21, 2026
Property Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084
Document Number	0000006334
Instrument Date	Jun 13, 2026
Instrument	20266334
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	CARRINGTON TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084

Mortgage

Document Number	0000006335,
Date	Jul 21, 2026
Instrument	20266335

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Aug 1, 2055

Interest

Rate	7.25%
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084
Document Number	0000008919
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Sep 14, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 E WARBLER AVE CORTLAND IL 601124084, CORTLAND, IL 60112-4084

Mortgage

Document Number	0000008919
Date	Sep 2, 2020
Instrument	8919

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 1, 2047

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Aug 9, 2017
Property Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084
Document Number	0000007678
Instrument Date	Aug 3, 2017
Instrument	7678
Transaction Type	Transfer
Record Updated	Sep 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	187 W WARBLER AVE CORTLAND IL 60112, CORTLAND, IL 60112

Mortgage

Document Number	7679
Date	Aug 9, 2017
Instrument	7679

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 8, 2047

Interest

Rate Type	Fixed Rate
Rate	4.75%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	187 E WARBLER AVE, CORTLAND, IL 60112-4084
Document Number	0000010164
Instrument Date	Aug 3, 2017
Transaction Type	Mortgage
Record Updated	Dec 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	187 E WARBLER AVE CORTLAND IL 601124084, CORTLAND, IL 60112-4084

Mortgage

Document Number	0000010164
Date	Oct 16, 2017
Instrument	10164

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2047

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		$101,004 Land $14,175 Building $86,829	$303,012 Land $42,525 Building $260,487
2024	$8,658.00
2023		$83,960 Land $12,467 Building $71,493	$251,880 Land $37,401 Building $214,479

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 187 E Warbler 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 187 E Warbler 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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