103 Maple Ave, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 103 Maple Ave, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,232 sqft · built 1900
Lot Size	0.184 acres (8,048 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Jul 2014)
Tax Bill	$3,012 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`110200 86.49-03-03.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.49-03-03.000`
Alternative APN	`020008604900030030000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,232 sqft Living Area
1st Floor Area	616 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,048 sqft (0.184 acres)
Lot Dimensions	134 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	103 MAPLE AVE
City	CORTLAND
State	NY
Zip	13045-1935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	3
Legal Lot Number	3.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	3
Census Block	3006
Census Tract	970700

Owner

Source: Cortland County and Cortland City records · APN 110200 86.49-03-03.000

Assessment roll updated March 30, 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	103 MAPLE AVE, CORTLAND, NY 13045-1935
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 09, 2014 · Amount on Record
Deed Sale	Jul 09, 2014 · Amount on Record
Prior Sale	Sep 20, 2005 · Amount on Record
Deed Document Number	20143081
Prior Transfer Date	Aug 23, 2005
Prior Transfer Doc	0104096001
Record Updated	Jun 08, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	103 MAPLE AVE, CORTLAND, NY 13045-1935
Document Number	0000002852
Instrument Date	Jun 04, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MAPLE AVE CORTLAND NY 130451935, CORTLAND, NY 13045-1935

Mortgage

Document Number	0000002852
Date	Jun 24, 2020
Instrument	2852

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 23, 2035

Tax Assessment & Valuation

Source: Cortland County and Cortland City records · Assessment roll updated March 30, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
Municipality	Cortland City
Unified School District	Cortland City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,012.00 (+15.14%)	$130,000 (+72.87%) Land $15,800 Building $114,200	$134,021 (+30.1%) Land $16,289 Building $117,732
2023	$2,616.00 Homeowner's exemption	$75,200 Land $11,000 Building $64,200	$103,014 Land $15,069 Building $87,945

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cortland County (36023C), as of August 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360239707003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	13 (1996–2013)
Most Recent Claim	Aug 2013 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2005 · 9 claims

Wildfire

Wildfire Risk	Not rated no burnable land within 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Telephone Corporation/North Penn Telephone Company Fiber	1,000 / 100
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 680 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY1101754, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CORTLAND (C) serves 20,095 people
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.