189 E Lark Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 189 E Lark Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,692 sqft · built 2004
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,000 (Nov 2025)
Tax Bill	$9,229 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage May 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-277-023`

Property Details

APN / Parcel Number

Primary APN	`09-20-277-023`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,692 sqft Building Perimeter
1st Floor Area	1,692 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	125 ft deep x 58.5 ft wide
Garage Type	Attached
Garage Area	360 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920277023
Street Address	189 E LARK AVE
City	CORTLAND
State	IL
Zip	60112-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 143 - NEUCORT LAKES - UNIT THREE
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	143
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	7206 FAXTON LN, PLAINFIELD, IL 60586-5919
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed, Transfer · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
May 20, 2021	Intrafamily Transfer, Transfer ATTORNEY
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on Record
Deed Sale	Nov 12, 2025 · Amount on Record
Deed Document Number	20259098
Prior Transfer Date	May 17, 2021
Prior Transfer Doc	0000006581
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 12, 2025
Property Address	189 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000009098
Map Reference	DOC 2004002345
Instrument Date	Nov 7, 2025
Instrument	2025009098
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	189 E LARK AVE, CORTLAND, IL 60112-4034

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	189 E LARK AVE, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000009099
Date	Nov 12, 2025
Instrument	2025009099

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Fixed Rate
Rate	6.62%

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DE KALB IL
Recording Date	May 20, 2021
Property Address	189 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000006581
Map Reference	DOC 2004002345
Instrument Date	May 17, 2021
Instrument	2021006581
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	189 E LARK AVE, CORTLAND, IL 60112-4034

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	189 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000010931
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	189 E LARK AVE CORTLAND IL 601124034, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000010931
Date	Oct 20, 2020
Instrument	10931

Lender

Name	FIFTH THIRD BK NA
Address	GRAND RAPIDS, MI 49546

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 19, 2030

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		$103,091 (+6.37%) Land $14,175 Building $88,916	$309,273 (+6.37%) Land $42,525 Building $266,748
2024	$9,229.00 Homeowner's exemption	$96,917 (+16.43%) Land $13,326 Building $83,591	$290,751 (+16.43%) Land $39,978 Building $250,773
2023		$83,241 Land $12,467 Building $70,774	$249,723 Land $37,401 Building $212,322

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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