81 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 81 E Clover Ave, Cortland, IL 60112

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.5 ba · 1,096 sqft · built 2003
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2021)
Tax Bill	$8,765 (2024)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-257-006`

Property Details

APN / Parcel Number

Primary APN	`09-20-257-006`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,096 sqft Building Perimeter
1st Floor Area	1,096 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Brick
Construction Type	Frame
Foundation Type	Retaining Wall
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	136 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	360 sqft
Porch	Slab
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Water Source	Commercial

Location & Zoning

Account Number	0920257006
Street Address	81 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 99 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	99
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 April 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	81 E CLOVER AVE, CORTLAND, IL 60112-4113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE
Nov 30, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 19, 2020	Quit Claim Deed, Transfer WINTRUST MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 30, 2021 · Amount on Record
Deed Sale	Nov 30, 2021 · Amount on Record
Prior Sale	Nov 4, 2015
Deed Document Number	202115512
Prior Transfer Date	Apr 27, 2020
Prior Transfer Doc	0000004437
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	81 E CLOVER AVE, CORTLAND, IL 60112-4113
Transaction Type	Mortgage
Record Updated	Nov 23, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 E CLOVER AVE, CORTLAND, IL 60112-4113

Mortgage

Document Number	0000007897
Date	Nov 7, 2023
Instrument	2023007897

Lender

Name	JACKSON FLAGSTAR CENTRE OFFICE
Type	Bank
Address	JACKSONVILLE, FL 32256

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Dec 1, 2051

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Nov 30, 2021
Property Address	81 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000015512
Map Reference	DOC 2003018583
Instrument Date	Sep 28, 2021
Instrument	2021015512
Transaction Type	Transfer
Record Updated	Dec 16, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	81 E CLOVER AVE, CORTLAND, IL 60112-4113

Mortgage

Document Number	0000015513
Date	Nov 30, 2021
Instrument	2021015513

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Fixed Rate
Rate	3.25%

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DE KALB IL
Recording Date	May 19, 2020
Property Address	81 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000004437
Instrument Date	Apr 27, 2020
Instrument	4437
Transaction Type	Transfer
Record Updated	May 27, 2020
Title Company	OLD REPUBLIC TITLE

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	81 E CLOVER AVE CORTLAND IL 601124113, CORTLAND, IL 60112-4113

Mortgage

Document Number	4438
Date	May 19, 2020
Instrument	4438

Lender

Name	WINTRUST MTG
Type	Mortgage Company
Address	ROSEMONT, IL 60018

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 18, 2050

Interest

Rate Type	Fixed Rate
Rate	3.12%

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		$97,078 (+13.7%) Land $14,175 Building $82,903	$291,234 (+13.7%) Land $42,525 Building $248,709
2024	$8,765.00
2023		$85,381 Land $12,467 Building $72,914	$256,143 Land $37,401 Building $218,742

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 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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