Cortland County and Cortland City property record for 12 Euclid Ave, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,322 sqft · built 1942 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $162,000 (Jun 2024) |
| Tax Bill | $6,260 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 110200 86.34-01-04.000 |
| Primary APN | 110200 86.34-01-04.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,322 sqft Living Area |
| 1st Floor Area | 935 sqft |
| Upper Floors Area | 387 sqft |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 1942 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 125 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 200 sqft |
| Canopy | 190 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 12 EUCLID AVE |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1202 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 4.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 970500 |
Source: Cortland County and Cortland City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 52 WHEELER AVE, CORTLAND, NY 13045-1145 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 18, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION |
| Dec 20, 2017 | Warranty Deed, Transfer · Conventional Mortgage CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2024 · Amount on Record |
| Deed Sale | Jun 10, 2024 · Amount on Record |
| Prior Sale | Sep 21, 2020 · Amount on Record |
| Deed Document Number | 20242396 |
| Prior Transfer Date | Nov 21, 2011 |
| Prior Transfer Doc | 0000005958 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 12 EUCLID AVE, CORTLAND, NY 13045-1202 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000004387 |
|---|---|
| Date | Sep 18, 2020 |
| Instrument | 2020-04387 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Oct 1, 2046 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Dec 20, 2017 |
| Property Address | 12 EUCLID AVE, CORTLAND, NY 13045-1202 |
| Document Number | 0000006182 |
| Instrument Date | Dec 15, 2017 |
| Instrument | 6182 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2018 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3168 STATE ROUTE 215 CORTLAND NY 130459439, CORTLAND, NY 13045-9439 |
| Document Number | 6183 |
|---|---|
| Date | Dec 20, 2017 |
| Instrument | 6183 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 19, 2047 |
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 | $6,260.00 (+63.19%) | ||
| 2025 | $3,836.00 (+0.55%) | $165,000 (+5%) Land $12,500 Building $152,500 | $170,103 (+12.89%) Land $12,887 Building $157,216 |
| 2023 | $3,815.00 | $110,000 Land $9,600 Building $100,400 | $150,685 Land $13,151 Building $137,534 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 327 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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