85 E Clover Ave, Cortland, IL 60112 Property Records

DeKalb County property record for 85 E Clover Ave, Cortland, IL 60112 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,788 sqft · built 2004
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$261,000 (Sep 2022)
Tax Bill	$8,951 (2024)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-20-257-007`

Property Details

APN / Parcel Number

Primary APN	`09-20-257-007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,788 sqft Building Perimeter
1st Floor Area	1,788 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Brick
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	136 ft deep x 56 ft wide
Garage Type	Attached
Garage Area	400 sqft
Porch	Open Porch
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0920257007
Street Address	85 E CLOVER AVE
City	CORTLAND
State	IL
Zip	60112-4113
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 100 - NEUCORT LAKES - UNIT 2
Legal Subdivision	NEUCORT LAKES
Legal Lot Number	100
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 · APN 09-20-257-007

Assessment roll updated April 8, 2026 · Last verified April 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	85 E CLOVER AVE, CORTLAND, IL 60112-4113
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Mar 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 07, 2017	Warranty Deed, Transfer · Conventional Mortgage MID AMERICA MTG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 29, 2022 · Amount on Record
Deed Sale	Sep 29, 2022 · Amount on Record
Prior Sale	Sep 07, 2017 · Amount on Record
Deed Document Number	20229407
Record Updated	Jun 08, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 29, 2022
Property Address	85 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000009407
Map Reference	DOC 2003018583
Instrument Date	Sep 21, 2022
Instrument	2022009407
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$261.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	85 E CLOVER AVE, CORTLAND, IL 60112-4113

Mortgage

Document Number	0000009408
Date	Sep 29, 2022
Instrument	2022009408

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Fixed Rate
Rate	5.25%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DE KALB IL
Property Address	85 E CLOVER AVE, CORTLAND, IL 60112-4113
Transaction Type	Mortgage
Record Updated	Mar 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003425
Date	Mar 16, 2021
Instrument	2021003425

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 01, 2036

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DE KALB IL
Recording Date	Sep 07, 2017
Property Address	85 E CLOVER AVE, CORTLAND, IL 60112-4113
Document Number	0000008766
Instrument Date	Aug 31, 2017
Instrument	8766
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$165.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	85 E CLOVER AVE CORTLAND IL 601124113, CORTLAND, IL 60112-4113

Mortgage

Document Number	8767
Date	Sep 07, 2017
Instrument	8767

Lender

Name	MID AMERICA MTG
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 06, 2047

Interest

Rate Type	Fixed Rate
Rate	4.37%

Tax Assessment & Valuation

Source: DeKalb County records · Assessment roll updated April 8, 2026 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$99,484 (+14.88%) Land $14,175 Building $85,309	$298,452 (+14.88%) Land $42,525 Building $255,927
2024	$8,951.00
2023		$86,601 Land $12,467 Building $74,134	$259,803 Land $37,401 Building $222,402

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, DeKalb County (17037C), updated January 2, 2009 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 170370016004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 253 locations within about half a mile of this property

Provider	Technology	Download / Upload (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 (licensed-by-rule)	100 / 20
Opiquad	Fixed Wireless (unlicensed)	100 / 20

May also be available at this address: Frontier. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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