79 E North Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 79 E North Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1980
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Oct 2020)
Tax Bill	$5,393 (2024)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-453-005`

Property Details

APN / Parcel Number

Primary APN	`09-20-453-005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	864 sqft Building Perimeter
1st Floor Area	864 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	165 ft deep x 132 ft wide
Garage Type	Detached
Garage Area	676 sqft
Pool Type	Above-Ground Pool
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Well

Location & Zoning

Account Number	0920453005
Street Address	79 E NORTH AVE
City	CORTLAND
State	IL
Zip	60112-4052
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A -MC DERMOTTS SUB
Legal Subdivision	MC DERMOTTS SUB
Legal Lot Number	A
Jurisdiction	DE KALB IL
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4022
Census Tract	1600

Owner

Source: DeKalb County records, as of April 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	79 E NORTH AVE, CORTLAND, IL 60112-4052
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2020	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE
Sep 10, 2020	Loan Modification, Mortgage · FHA Mortgage US BK
Mar 26, 2018	Loan Modification, Mortgage · FHA Mortgage US BK
Mar 26, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2020 · Amount on Record
Deed Sale	Oct 21, 2020 · Amount on Record
Prior Sale	Mar 25, 2011 · Amount on Record
Deed Document Number	202010984
Prior Transfer Date	Sep 16, 2010
Prior Transfer Doc	0000012585
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Oct 21, 2020
Property Address	79 E NORTH AVE, CORTLAND, IL 60112-4052
Document Number	0000010984
Instrument Date	Sep 18, 2020
Instrument	10984
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	BAIRD AND WARNER TITLE SERVICES INC, BAIRD & WARNER TITLE SVCS INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1455 FREED RD SYCAMORE IL 601788646, SYCAMORE, IL 60178-8646

Mortgage

Document Number	10985
Date	Oct 21, 2020
Instrument	10985

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 20, 2050

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DE KALB IL
Property Address	79 E NORTH AVE, CORTLAND, IL 60112-4052
Document Number	0000009248
Instrument Date	Sep 10, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 E AVE CORTLAND IL 60112, CORTLAND, IL 60112

Mortgage

Document Number	0000009248
Date	Sep 10, 2020
Instrument	9248

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 2050

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DE KALB IL
Property Address	79 E NORTH AVE, CORTLAND, IL 60112-4052
Document Number	0000004929
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Jun 7, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 E NORTH AVE CORTLAND IL 601124052, CORTLAND, IL 60112-4052

Mortgage

Document Number	0000004929
Date	May 25, 2018
Instrument	4929

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 24, 2048

Interest

Rate	4.12%

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	79 E NORTH AVE, CORTLAND, IL 60112-4052
Document Number	0000003497
Instrument Date	Mar 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	79 E NORTH AVE CORTLAND IL 601124052, CORTLAND, IL 60112-4052

Mortgage

Document Number	0000003497
Date	Apr 18, 2018
Instrument	3497

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 17, 2048

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		$76,338 (+13.7%) Land $20,023 Building $56,315	$229,014 (+13.7%) Land $60,069 Building $168,945
2024	$5,393.00
2023		$67,141 Land $17,611 Building $49,530	$201,423 Land $52,833 Building $148,590

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	Not rated no burnable land within 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Metronet Fiber	5,120 / 5,120
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Fox Valley Internet Fixed Wireless	100 / 20

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