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Clover Ave 60112 IL Property Records
Residential Property Data Records on
Clover Ave, 60112, IL
We found
54
addresses on Clover Ave, 60112, IL.
51 E Clover Ave
Cortland, IL 60112
Estimated Value
$305,000
Living Area
1,296 SqFt
Beds
1
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-257-001
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
52 E Clover Ave
Cortland, IL 60112
Estimated Value
$338,000
Living Area
1,096 SqFt
Beds
3
Baths
2.5
Year Built
2003
Property Type
Residential General
Ownership Type
Related
APN
09-20-256-027
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
57 E Clover Ave
Cortland, IL 60112
Estimated Value
$330,000
Living Area
1,226 SqFt
Beds
3
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-002
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
58 E Clover Ave
Cortland, IL 60112
Estimated Value
$299,000
Living Area
726 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-026
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
63 E Clover Ave
Cortland, IL 60112
Estimated Value
$342,000
Living Area
1,296 SqFt
Beds
4
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-257-003
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
64 E Clover Ave
Cortland, IL 60112
Estimated Value
$309,000
Living Area
1,754 SqFt
Beds
5
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-025
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
67 E Clover Ave
Cortland, IL 60112
Estimated Value
$275,000
Living Area
1,160 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-004
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
70 E Clover Ave
Cortland, IL 60112
Estimated Value
$303,000
Living Area
1,096 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-024
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
75 E Clover Ave
Cortland, IL 60112
Estimated Value
$297,000
Living Area
1,155 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-005
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
76 E Clover Ave
Cortland, IL 60112
Estimated Value
$285,000
Living Area
726 SqFt
Beds
3
Baths
1.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-023
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
81 E Clover Ave
Cortland, IL 60112
Estimated Value
$320,000
Living Area
1,096 SqFt
Beds
1
Baths
2.5
Year Built
2003
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-006
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
82 E Clover Ave
Cortland, IL 60112
Estimated Value
$324,000
Living Area
1,314 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Residential General
Ownership Type
Related
APN
09-20-256-022
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
85 E Clover Ave
Cortland, IL 60112
Estimated Value
$312,000
Living Area
1,788 SqFt
Beds
2
Baths
2
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-257-007
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
86 E Clover Ave
Cortland, IL 60112
Estimated Value
$335,000
Living Area
1,473 SqFt
Beds
1
Baths
2.5
Year Built
2003
Property Type
Single Family
Ownership Type
Individual
APN
09-20-256-021
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
91 E Clover Ave
Cortland, IL 60112
Estimated Value
$281,000
Living Area
726 SqFt
Beds
3
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-257-008
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
92 E Clover Ave
Cortland, IL 60112
Estimated Value
$311,000
Living Area
1,228 SqFt
Beds
4
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Individual
APN
09-20-256-020
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
97 E Clover Ave
Cortland, IL 60112
Estimated Value
$302,000
Living Area
1,144 SqFt
Beds
1
Baths
2.5
Year Built
2003
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-009
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
98 E Clover Ave
Cortland, IL 60112
Estimated Value
$282,000
Living Area
1,173 SqFt
Beds
1
Baths
1.5
Year Built
2003
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-019
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
103 E Clover Ave
Cortland, IL 60112
Estimated Value
$302,000
Living Area
1,064 SqFt
Beds
3
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-010
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
104 E Clover Ave
Cortland, IL 60112
Estimated Value
$299,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2003
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-256-018
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
108 E Clover Ave
Cortland, IL 60112
Estimated Value
$322,000
Living Area
1,124 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-017
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
109 E Clover Ave
Cortland, IL 60112
Estimated Value
$344,000
Living Area
1,296 SqFt
Beds
3
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-257-011
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
113 E Clover Ave
Cortland, IL 60112
Estimated Value
$309,000
Living Area
1,173 SqFt
Beds
3
Baths
2
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-012
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
114 E Clover Ave
Cortland, IL 60112
Estimated Value
$311,000
Living Area
1,124 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-256-016
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
118 E Clover Ave
Cortland, IL 60112
Estimated Value
$305,000
Living Area
726 SqFt
Beds
3
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-256-015
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
119 E Clover Ave
Cortland, IL 60112
Estimated Value
$345,000
Living Area
1,860 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-257-013
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
125 E Clover Ave
Cortland, IL 60112
Estimated Value
$292,000
Living Area
1,124 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-257-014
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
126 E Clover Ave
Cortland, IL 60112
Estimated Value
$347,000
Living Area
1,847 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-256-014
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
129 E Clover Ave
Cortland, IL 60112
Estimated Value
$349,000
Living Area
1,474 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-257-015
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
144 E Clover Ave
Cortland, IL 60112
Estimated Value
$267,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2005
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-013
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
145 E Clover Ave
Cortland, IL 60112
Estimated Value
$342,000
Living Area
1,167 SqFt
Beds
4
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Related
APN
09-20-278-001
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
152 E Clover Ave
Cortland, IL 60112
Estimated Value
$291,000
Living Area
1,296 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-012
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
153 E Clover Ave
Cortland, IL 60112
Estimated Value
$290,000
Living Area
1,096 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-278-002
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
158 E Clover Ave
Cortland, IL 60112
Estimated Value
$339,000
Living Area
1,368 SqFt
Beds
4
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-277-011
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
159 E Clover Ave
Cortland, IL 60112
Estimated Value
$261,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-278-003
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
164 E Clover Ave
Cortland, IL 60112
Estimated Value
$287,000
Living Area
1,173 SqFt
Beds
1
Baths
2.5
Year Built
2005
Property Type
Residential General
Ownership Type
Related
APN
09-20-277-010
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
165 E Clover Ave
Cortland, IL 60112
Estimated Value
$346,000
Living Area
1,686 SqFt
Beds
4
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-278-004
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
170 E Clover Ave
Cortland, IL 60112
Estimated Value
$270,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2003
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-009
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
171 E Clover Ave
Cortland, IL 60112
Estimated Value
$310,000
Living Area
1,124 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-278-005
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
174 E Clover Ave
Cortland, IL 60112
Estimated Value
$302,000
Living Area
1,144 SqFt
Beds
1
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-008
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
177 E Clover Ave
Cortland, IL 60112
Estimated Value
$338,000
Living Area
1,296 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-278-006
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
180 E Clover Ave
Cortland, IL 60112
Estimated Value
$320,000
Living Area
1,218 SqFt
Beds
4
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-007
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
183 E Clover Ave
Cortland, IL 60112
Estimated Value
$265,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-278-007
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
186 E Clover Ave
Cortland, IL 60112
Estimated Value
$269,000
Living Area
1,096 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-277-006
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
189 E Clover Ave
Cortland, IL 60112
Estimated Value
$347,000
Living Area
1,866 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-278-008
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
190 E Clover Ave
Cortland, IL 60112
Estimated Value
$250,000
Living Area
1,173 SqFt
Beds
1
Baths
2
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-277-005
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
195 E Clover Ave
Cortland, IL 60112
Estimated Value
$328,000
Living Area
1,729 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-278-009
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
196 E Clover Ave
Cortland, IL 60112
Estimated Value
$292,000
Living Area
1,200 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-004
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
201 E Clover Ave
Cortland, IL 60112
Estimated Value
$248,000
Living Area
726 SqFt
Beds
1
Baths
1.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-278-010
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
202 E Clover Ave
Cortland, IL 60112
Estimated Value
$331,000
Living Area
1,296 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Residential General
Ownership Type
Individual
APN
09-20-277-003
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
207 E Clover Ave
Cortland, IL 60112
Estimated Value
$288,000
Living Area
1,473 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-278-011
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
208 E Clover Ave
Cortland, IL 60112
Estimated Value
$291,000
Living Area
1,144 SqFt
Beds
1
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Individual
APN
09-20-277-002
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
214 E Clover Ave
Cortland, IL 60112
Estimated Value
$328,000
Living Area
1,290 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Related
APN
09-20-277-001
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
215 E Clover Ave
Cortland, IL 60112
Estimated Value
$324,000
Living Area
1,144 SqFt
Beds
3
Baths
2.5
Year Built
2005
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-278-012
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
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Investment Properties near on
Clover Ave, 60112, IL
223 W Cortland Center Rd
Cortland, IL 60112
Estimated Value
$202,000
Living Area
640 SqFt
Beds
3
Baths
2
Year Built
2006
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-102-080
Subdivision
Grainger Resubdivision Of Cortland Estat
School District
DeKalb Community Unit School District 428
232 W Meadow Dr
Cortland, IL 60112
Estimated Value
$342,000
Living Area
1,680 SqFt
Beds
1
Baths
2.5
Year Built
2009
Property Type
Single Family
Ownership Type
Related
APN
09-20-151-011
Subdivision
Richland Trails
School District
DeKalb Community Unit School District 428
68 E Conestoga Ave
Cortland, IL 60112
Estimated Value
$254,000
Living Area
1,400 SqFt
Beds
1
Baths
2
Year Built
1991
Property Type
Single Family
Ownership Type
Individual
APN
09-20-453-014
Subdivision
Prairie View Sub
School District
DeKalb Community Unit School District 428
164 E Meadow Dr
Cortland, IL 60112
Estimated Value
$301,000
Living Area
1,776 SqFt
Beds
1
Baths
2
Year Built
2004
Property Type
Single Family
Ownership Type
Trust
APN
09-20-282-004
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
87 W Crabapple Ave
Cortland, IL 60112
Estimated Value
$282,000
Living Area
1,044 SqFt
Beds
3
Baths
2.5
Year Built
2007
Property Type
Single Family
Ownership Type
Related
APN
09-17-383-010
Subdivision
Natures Crossing
School District
Sycamore Community Unit School District 427
124 W Meadow Dr
Cortland, IL 60112
Estimated Value
$281,000
Living Area
1,760 SqFt
Beds
1
Baths
2
Year Built
2008
Property Type
Single Family
Ownership Type
Individual
APN
09-20-180-010
Subdivision
Richland Trails
School District
DeKalb Community Unit School District 428
136 W Linda Ave
Cortland, IL 60112
Estimated Value
$293,000
Living Area
1,900 SqFt
Beds
1
Baths
1.5
Year Built
1994
Property Type
Single Family
Ownership Type
Individual
APN
09-20-306-008
Subdivision
Woodland Acres
School District
DeKalb Community Unit School District 428
58 E Hummingbird Ave
Cortland, IL 60112
Estimated Value
$267,000
Living Area
1,096 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Individual
APN
09-20-255-002
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
515 N Charles St
Cortland, IL 60112
Estimated Value
$193,000
Living Area
720 SqFt
Beds
1
Baths
2
Year Built
2001
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-101-009
Subdivision
Charles Street Townhomes
School District
DeKalb Community Unit School District 428
189 E Clover Ave
Cortland, IL 60112
Estimated Value
$342,000
Living Area
1,866 SqFt
Beds
1
Baths
2.5
Year Built
2004
Property Type
Single Family
Ownership Type
Multiple
APN
09-20-278-008
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
48 N Somonauk Rd
Cortland, IL 60112
Estimated Value
$227,000
Living Area
1,030 SqFt
Beds
1
Baths
1
Year Built
1970
Property Type
Single Family
Ownership Type
Individual
APN
09-20-452-002
Municipality
CORTLAND
School District
DeKalb Community Unit School District 428
98 E Daisy Ave
Cortland, IL 60112
Estimated Value
$333,000
Living Area
1,296 SqFt
Beds
1
Baths
2.5
Year Built
2003
Property Type
Single Family
Ownership Type
Individual
APN
09-20-254-009
Subdivision
Neucort Lakes
School District
DeKalb Community Unit School District 428
219 W Cortland Center Rd
Cortland, IL 60112
Estimated Value
$200,000
Living Area
640 SqFt
Beds
1
Baths
2
Year Built
2006
Property Type
Single Family
Ownership Type
Individual
APN
09-20-102-082
Subdivision
Grainger Resubdivision Of Cortland Estat
School District
DeKalb Community Unit School District 428
51 W Crabapple Ave
Cortland, IL 60112
Estimated Value
$361,000
Living Area
1,654 SqFt
Beds
3
Baths
2.5
Year Built
2008
Property Type
Single Family
Ownership Type
Related
APN
09-17-383-004
Subdivision
Natures Crossing
School District
Sycamore Community Unit School District 427
175 W Ellen Ave
Cortland, IL 60112
Estimated Value
$276,000
Living Area
1,030 SqFt
Beds
3
Baths
2
Year Built
1993
Property Type
Single Family
Ownership Type
Related
APN
09-20-305-014
Subdivision
Woodland Acres
School District
DeKalb Community Unit School District 428
171 N Nina St
Cortland, IL 60112
Estimated Value
$272,000
Living Area
1,320 SqFt
Beds
1
Baths
2.5
Year Built
1990
Property Type
Single Family
Ownership Type
Related
APN
09-20-327-007
Subdivision
Woodland Acres Sub
School District
DeKalb Community Unit School District 428
Streets Near
Clover Ave, 60112, IL
Street
Properties
Avg. Beds
Avg. Baths
Avg. Property Value
Avg. Property Size
Last Sale Date
11th St
107
3
2
$204,097
1,897 Sq.Ft.
3/27/2025
13th St
93
3
2
$202,088
1,509 Sq.Ft.
1/30/2025
14th St
123
3
1
$206,350
1,259 Sq.Ft.
3/17/2025
Cambria Dr
101
2
2
$209,111
1,435 Sq.Ft.
1/10/2025
Charles St
101
1
2
$233,653
984 Sq.Ft.
4/29/2025
Greenwood Acres Dr
110
3
3
$389,277
2,885 Sq.Ft.
2/11/2025
Meadow Dr
106
2
2
$307,295
1,457 Sq.Ft.
1/16/2025
Pleasant St
210
4
2
$219,730
6,752 Sq.Ft.
2/27/2025
Somonauk Rd
89
1
1
$290,066
1,602 Sq.Ft.
10/11/2024
Sycamore Rd
143
3
2
$232,667
6,016 Sq.Ft.
11/20/2024
Additional Questions?
Looking for off-market properties in 60112, IL?
Traditional methods include networking with contractors, scouting neighborhoods ("driving for dollars"), or purchasing leads from wholesalers can be tedious. PropertyReach streamlines this process with predictive analytics and neighborhood benchmarks, using 60112, IL property records and MLS failed listings to refine your search. Effortlessly compare properties, access owner contact details, and secure the best off-market deals at the right price.
What is the median home value in 60112, IL?
The median home value in 60112, IL is $268,000, with an average home value of $267,084. The average price per square foot for homes in the area is $181.75.
How Can I Find Pre-foreclosures or Distressed Properties in 60112, IL?
Foreclosures and distressed properties in 60112, IL can be found through public records, foreclosure notices, and auction announcements from the county clerk or sheriff’s office. PropertyReach streamlines this by aggregating public and MLS data, making it easier to identify distressed properties and connect with owners directly.
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