Cortland County and Cortland City property record for 104 N Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,440 sqft · built 1950 |
| Lot Size | 0.274 acres (11,961 sqft) |
| Owner | Individual Name on File |
| Last Sale | $67,800 (Apr 2013) |
| Tax Bill | $4,965 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 110200 86.33-02-18.000 |
| Primary APN | 110200 86.33-02-18.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 720 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,961 sqft (0.274 acres) |
| Lot Dimensions | 239 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 432 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 N MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1208 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 18.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970500 |
104 N Main St is owned and occupied by an individual who bought it in April 2013.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 N MAIN ST, CORTLAND, NY 13045-1208 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 15, 2013 · Amount on File |
| Deed Sale | Apr 15, 2013 · Amount on File |
| Deed Document Number | 20131872 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 104 N Main St was $4,965 with a homeowner's exemption, up 49.6% from the year before.
Source: Cortland County and Cortland City assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| Municipality | Cortland City |
| Unified School District | Cortland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,965.00 (+49.59%) Homeowner's exemption | ||
| 2025 | $3,319.00 | $140,000 Land $18,400 Building $121,600 | $144,330 Land $18,969 Building $125,361 |
| 2023 | $2,419.00 Homeowner's exemption | $67,800 Land $14,100 Building $53,700 | $92,877 Land $19,315 Building $73,562 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 104 N Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| 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 File median of 39 policies |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 14 (1981–2011) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
| Claims by Event |
|
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 risk around 104 N Main St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CORTLAND (C) serves 20,095 people · EPA ID NY1101754 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 680 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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