190 E Lark Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 190 E Lark Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,860 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$165,000 (Oct 2018)
Tax Bill	$9,386 (2024)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-276-017`

Property Details

APN / Parcel Number

Primary APN	`09-20-276-017`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,860 sqft Building Perimeter
1st Floor Area	1,860 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	580 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	0920276017
Street Address	190 E LARK AVE
City	CORTLAND
State	IL
Zip	60112-4034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 152 - NEUCORT LAKES - UNIT 3
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	152
Legal Unit	3
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4087
Census Tract	1600

Owner

Source: DeKalb County records, as of April 28, 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	190 E LARK AVE, CORTLAND, IL 60112-4034
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Oct 20, 2023	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Mar 24, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Oct 1, 2018	Grant Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Apr 10, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	20189167
Prior Transfer Date	Mar 9, 2018
Prior Transfer Doc	0000003234
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Apr 2, 2026
Property Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000002664
Instrument Date	Mar 8, 2026
Instrument	20262664
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002664,
Date	Apr 2, 2026
Instrument	20262664

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Mar 1, 2066

Interest

Rate	6.11%
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Transaction Type	Mortgage
Record Updated	Nov 6, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E LARK AVE, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000007422
Date	Oct 20, 2023
Instrument	2023007422

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 E LARK AVE, CORTLAND, IL 60112-4034

Mortgage

Document Number	0000003746
Date	Mar 24, 2021
Instrument	2021003746

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	Oct 1, 2048

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 1, 2018
Property Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000009167
Instrument Date	Aug 17, 2018
Instrument	9167
Transaction Type	Transfer
Record Updated	Oct 24, 2018
Title Company	REAL ESTATE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 W BENSON AVE CORTLAND IL 601124007, CORTLAND, IL 60112-4007

Mortgage

Document Number	9168
Date	Oct 1, 2018
Instrument	9168

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2048

Interest

Rate	5.87%

April 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	DE KALB IL
Recording Date	Apr 10, 2018
Property Address	190 E LARK AVE, CORTLAND, IL 60112-4034
Document Number	0000003234
Instrument Date	Mar 9, 2018
Instrument	3234
Transaction Type	Foreclosure
Record Updated	Apr 26, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$138.60
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Investor	Possibly a Property Investor

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		$105,127 (+23.97%) Land $14,175 Building $90,952	$315,381 (+23.97%) Land $42,525 Building $272,856
2024	$9,386.00
2023		$84,800 Land $12,467 Building $72,333	$254,400 Land $37,401 Building $216,999

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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