DeKalb County property record for 196 E Clover Ave, Cortland, IL 60112
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2.5 ba · 1,200 sqft · built 2004 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jan 2005) |
| Tax Bill | $8,359 (2024) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-20-277-004 |
| Primary APN | 09-20-277-004 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 1 Room |
| Building Area | 1,200 sqft Building Perimeter |
| 1st Floor Area | 1,200 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Construction Type | Frame |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 125 ft deep x 52.2 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Porch | Open Porch |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|
| Account Number | 0920277004 |
|---|---|
| Street Address | 196 E CLOVER AVE |
| City | CORTLAND |
| State | IL |
| Zip | 60112-4016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 124 - NEUCORT LAKES - UNIT 3 |
| Legal Subdivision | NEUCORT LAKES |
| Legal Lot Number | 124 |
| Legal Unit | 3 |
| Jurisdiction | DE KALB IL |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4084 |
| Census Tract | 1600 |
Source: DeKalb County assessment roll, 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 File |
|---|---|
| Mailing Address | 196 E CLOVER AVE, CORTLAND, IL 60112-4016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 14, 2005 · Amount on Record |
| Deed Sale | Jan 14, 2005 · Amount on Record |
| Deed Document Number | 2005858 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DE KALB IL |
| Property Address | 196 E CLOVER AVE, CORTLAND, IL 60112-4016 |
| Document Number | 0000013971 |
| Instrument Date | Dec 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 26, 2021 |
| Title Company | PRECISION TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 196 E CLOVER AVE CORTLAND IL 601124016, CORTLAND, IL 60112-4016 |
| Document Number | 0000013971 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 13971 |
| Name | C&R MTG |
|---|---|
| Type | Mortgage Company |
| Address | NILES, IL 60714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 27, 2035 |
Source: DeKalb County assessment roll, as of April 8, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $91,808 (+20.15%) Land $14,175 Building $77,633 | $275,424 (+20.15%) Land $42,525 Building $232,899 | |
| 2024 | $8,359.00 | ||
| 2023 | $76,412 Land $12,467 Building $63,945 | $229,236 Land $37,401 Building $191,835 |
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.
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.
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 |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 253 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Mediacom Communications Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| Benton Ridge Telephone Company Fixed Wireless | 100 / 20 |
| Opiquad Fixed Wireless | 100 / 20 |
May also be available: Frontier.
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