51 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 51 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,296 sqft · built 2003
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Tax Bill	$8,977 (2024)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-20-257-001`

Property Details

APN / Parcel Number

Primary APN	`09-20-257-001`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,296 sqft Building Perimeter
1st Floor Area	1,296 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2005
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	320 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0920257001
Street Address	51 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 94 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	94
Legal Unit	2
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4090
Census Tract	1600

Owner

Source: DeKalb County records, as of July 28, 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	51 E CLOVER AVE, CORTLAND, IL 60112-4113
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage RESOURCE BANK
Nov 5, 2020	Quit Claim Deed, Transfer FIRST CENTENNIAL MTG CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2020
Deed Sale	Nov 5, 2020
Prior Sale	Feb 9, 2009 · Amount on Record
Deed Document Number	202011679
Prior Transfer Date	Oct 24, 2020
Prior Transfer Doc	0000011679
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Recording Date	Jul 8, 2026
Property Address	51 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000005860
Instrument Date	Jun 29, 2026
Instrument	20265860
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	AMERICAN R TITLE, AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 E CLOVER AVE, CORTLAND, IL 60112-4113

Mortgage

Document Number	0000005860,
Date	Jul 8, 2026
Instrument	20265860

Lender

Name	RESOURCE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 5, 2020
Property Address	51 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000011679
Instrument Date	Oct 24, 2020
Instrument	11679
Transaction Type	Transfer
Record Updated	Dec 30, 2020
Title Company	ADVISORS TITLE NTWK LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	51 E CLOVER AVE CORTLAND IL 601124113, CORTLAND, IL 60112-4113

Mortgage

Document Number	11680
Date	Nov 5, 2020
Instrument	11680

Lender

Name	FIRST CENTENNIAL MTG CORP
Address	AURORA, IL 60506

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2050

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		$99,824 (+20.37%) Land $14,175 Building $85,649	$299,472 (+20.37%) Land $42,525 Building $256,947
2024	$8,977.00
2023		$82,928 Land $12,467 Building $70,461	$248,784 Land $37,401 Building $211,383

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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