Cortland County and Cortland City property record for 13 E Main St, Cortland, NY 13045
| Property Type | Duplex |
|---|---|
| Details | 3 bd · 2 ba · 2,112 sqft · built 1890 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,671 (2025) |
| Deeds & Mortgages | Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.42-02-07.000 |
| Primary APN | 110200 86.42-02-07.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,112 sqft Total Area |
| 1st Floor Area | 1,065 sqft |
| 2nd Floor Area | 1,047 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 408 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 13 E MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1232 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 2 |
| Legal Lot Number | 7.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970500 |
Source: Cortland County and Cortland City records, as of March 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4615 CENTER BLVD, 3508, LONG ISLAND CITY, NY 11109-5775 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 8, 2020 |
| Property Address | 13 E MAIN ST, CORTLAND, NY 13045-1232 |
| Document Number | 0000004193 |
| Instrument Date | Feb 21, 2020 |
| Instrument | 4193 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $488.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 235 MADISON ST MAMARONECK NY 105431818, MAMARONECK, NY 10543-1818 |
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 |
|---|---|---|---|
| 2025 | $3,671.00 (+8.13%) | $155,000 (+63.16%) Land $12,300 Building $142,700 | $159,794 (+22.79%) Land $12,680 Building $147,114 |
| 2023 | $3,395.00 | $95,000 Land $8,600 Building $86,400 | $130,137 Land $11,781 Building $118,356 |
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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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 142 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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