118 N Main St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 118 N Main St, Cortland, NY 13045

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,432 sqft · built 1890
Lot Size	0.236 acres (10,309 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (May 2018)
Tax Bill	$6,465 (2026)
Deeds & Mortgages	May 2018 Sale
Flood Zone	Zone AE (high risk)
APN	`110200 86.33-02-21.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.33-02-21.000`
Alternative APN	`020008603300020210000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,432 sqft Total Area
1st Floor Area	1,216 sqft
2nd Floor Area	1,216 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,309 sqft (0.236 acres)
Lot Dimensions	142 ft deep x 72.4 ft wide
Garage Type	Detached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	472 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	118 N MAIN ST
City	CORTLAND
State	NY
Zip	13045-1208
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	03 - MULTI
Legal Subdivision	LANDS OF DAVID & DONNA
Legal Block	2
Legal Lot Number	21.00
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2010
Census Tract	970500

Owner

118 N Main St, a duplex, is owned by an individual who bought it in May 2018.

Source: Cortland County and Cortland City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	118 N MAIN ST, 1, CORTLAND, NY 13045-1208
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2018 · Amount on File
Deed Sale	May 7, 2018 · Amount on File
Prior Sale	Jun 29, 2015 · Amount on File
Deed Document Number	20182799
Prior Transfer Date	May 4, 2001
Prior Transfer Doc	2001002131
Record Updated	Oct 29, 2026

May 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CORTLAND NY
Recording Date	May 7, 2018
Property Address	118 N MAIN ST, CORTLAND, NY 13045-1208
Document Number	0000002799
Instrument Date	Apr 17, 2018
Instrument	2799
Transaction Type	Transfer
Record Updated	May 16, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 W SENECA ST #2 ITHACA NY 148504033, 2, ITHACA, NY 14850-4033

Tax Assessment & Valuation

The 2026 property tax bill for 118 N Main St was $6,465, up 73.9% from the year before.

Source: Cortland County and Cortland City assessment roll, as of March 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,465.00 (+73.88%)
2025	$3,718.00	$160,000 Land $18,300 Building $141,700	$164,948 Land $18,866 Building $146,082
2023	$3,143.00	$90,100 Land $12,900 Building $77,200	$123,425 Land $17,671 Building $105,754

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

Flood

FEMA maps place 118 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	Severe Storms And Flooding, Apr 2005 · 6 claims

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

Wildfire risk around 118 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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