208 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 208 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,144 sqft · built 2005
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Apr 2024)
Tax Bill	$7,906 (2024)
Deeds & Mortgages	Apr 2024 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-277-002`

Property Details

APN / Parcel Number

Primary APN	`09-20-277-002`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Building Area	1,144 sqft Building Perimeter
1st Floor Area	1,144 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	125 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	0920277002
Street Address	208 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 122 - NEUCORT LAKES - UNIT THREE
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	122
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	Individual Name on Record
Mailing Address	208 E CLOVER AVE, CORTLAND, IL 60112-4017
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · FHA Mortgage COMPASS MORTGAGE INC
Nov 4, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2024 · Amount on Record
Deed Sale	Apr 10, 2024 · Amount on Record
Prior Sale	May 5, 2015 · Amount on Record
Deed Document Number	20242347
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	208 E CLOVER AVE, CORTLAND, IL 60112-4017
Transaction Type	Mortgage
Record Updated	May 6, 2024
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2993 CURTIS ST, DES PLAINES, IL 60018-5626

Mortgage

Document Number	0000002348
Date	Apr 10, 2024
Instrument	2024002348

Lender

Name	COMPASS MORTGAGE INC
Type	Mortgage Company
Address	27755 DIEHL RD STE 100, WARRENVILLE, IL 60555

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Fixed Rate
Rate	6.75%

November 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 4, 2019
Property Address	208 E CLOVER AVE, CORTLAND, IL 60112-4017
Document Number	0000010147
Instrument Date	Oct 7, 2019
Instrument	10147
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 E CLOVER AVE CORTLAND IL 601124017, CORTLAND, IL 60112-4017

Mortgage

Document Number	10148
Date	Nov 4, 2019
Instrument	10148

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 3, 2049

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		$93,289 (+30.6%) Land $14,175 Building $79,114	$279,867 (+30.6%) Land $42,525 Building $237,342
2024	$7,906.00
2023		$71,430 Land $12,467 Building $58,963	$214,290 Land $37,401 Building $176,889

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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