122 N Main St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 122 N Main St, Cortland, NY 13045

Property Summary

Property Type	Triplex
Details	8 bd · 3 ba · 2,773 sqft · built 1920
Lot Size	0.166 acres (7,260 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Jan 2020)
Tax Bill	$5,615 (2026)
Deeds & Mortgages	Jan 2020 Foreclosure
Flood Zone	Zone X (moderate risk)
APN	`110200 86.33-02-23.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.33-02-23.000`
Alternative APN	`020008603300020230000000`

Interior

Bedrooms	8 Beds
Full Baths	3 Baths
Total Rooms	17 Rooms
Stories	2 Stories
Building Area	2,773 sqft Total Area
1st Floor Area	1,079 sqft
2nd Floor Area	968 sqft
Upper Floors Area	726 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	7,260 sqft (0.166 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	122 N MAIN ST
City	CORTLAND
State	NY
Zip	13045-1250
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	02 - SINGL
Legal Block	2
Legal Lot Number	23.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2010
Census Tract	970500

Owner

122 N Main St, a triplex, is owned by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1730 HEATHER LN, FREDERICK, MD 21702-3042
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	Jan 29, 2020 · Amount on File
Deed Sale	Jan 29, 2020 · Amount on File
Prior Sale	Mar 17, 2015 · Amount on File
Deed Document Number	2020414
Prior Transfer Date	Jan 27, 2020
Prior Transfer Doc	0000000414
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Foreclosure

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jan 29, 2020
Property Address	122 N MAIN ST, CORTLAND, NY 13045-1250
Document Number	0000000414
Instrument Date	Jan 27, 2020
Instrument	414
Transaction Type	Foreclosure
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$468.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1730 HEATHER LN FREDERICK MD 217023042, FREDERICK, MD 21702-3042

Mortgage

Document Number	415
Date	Jan 29, 2020
Instrument	415

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 28, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 122 N Main St was $5,615, up 55.1% 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	$5,615.00 (+55.07%)
2025	$3,621.00	$150,000 Land $13,500 Building $136,500	$154,639 Land $13,918 Building $140,721
2023	$3,588.00	$102,000 Land $10,400 Building $91,600	$139,726 Land $14,247 Building $125,479

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

Flood

FEMA maps place 122 N Main St in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 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 122 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 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.

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 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