1307 E Lake Rd, Cortland, NY 13045 Property Records

Cayuga County and Summerhill Town property record for 1307 E Lake Rd, Cortland, NY 13045

Property Summary

Property Type	Restaurant
Details	5,500 sqft · built 1980
Lot Size	0.493 acres (21,501 sqft)
Owner	Company Name on File
Last Sale	$189,000 (Aug 2016)
Tax Bill	$9,751 (2026)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`055800 223.20-1-23.2`

Property Details

APN / Parcel Number

Primary APN	`055800 223.20-1-23.2`
Alternative APN	`580022302000010230020000`

Interior

Stories	1 Story
Building Area	5,500 sqft Gross Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Lot Area	21,501 sqft (0.493 acres)
Lot Dimensions	108 ft deep x 198 ft wide
View / Lot	Waterfront / Beach
Porch	Slab
Porch Area	2,160 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1307 E LAKE RD
City	CORTLAND
State	NY
Zip	13045-8911
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	200
Legal Description	SMD 621-265 197.4' LAKE FRONT
Legal Block	1
Legal Lot Number	23.002
Jurisdiction	CAYUGA NY
Township / Civil Division	SUMMERHILL
Census Block Group	2
Census Block	2024
Census Tract	40900

Owner

1307 E Lake Rd, a commercial property, is owned by a company that bought it in August 2016.

Source: Cayuga County and Summerhill Town records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	3231 CORRIGAN RD, MORAVIA, NY 13118-3693
Owner Type	Company
Vesting	Company

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

Date	Document
Nov 21, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST NATIONAL BANK OF GROTON
Jun 30, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/GROTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2016 · Amount on File
Deed Sale	Aug 29, 2016 · Amount on File
Deed Document Number	2016164886
Deed Book / Page	1640 / 18
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Nov 21, 2023
Property Address	1307 E LAKE RD, CORTLAND, NY 13045-8911
Document Number	004423/102
Book / Page	4423 / 102
Instrument Date	Nov 20, 2023
Instrument	2023-225633
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3231 CORRIGAN RD, MORAVIA, NY 13118-3693

Mortgage

Document Number	2023225634
Date	Nov 21, 2023
Instrument	2023-225634

Lender

Name	FIRST NATIONAL BANK OF GROTON

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	1307 E LAKE RD, CORTLAND, NY 13045-8911
Document Number	0035400017
Instrument Date	Jun 30, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	263 DEVLEN RD GROTON NY 130739633, GROTON, NY 13073-9633

Mortgage

Document Number	0035400017
Date	Jul 18, 2017
Book Page	003540/000017
Instrument	172585

Lender

Name	FIRST NAT'L BK/GROTON
Type	Bank
Address	GROTON, NY 13073

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1307 E Lake Rd was $9,751, down 1.4% from the year before.

Source: Cayuga County and Summerhill Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Summerhill Town
Unified School District	Homer Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,751.00 (-1.45%)
2025	$9,894.00 (+148.28%)	$361,000 Land $96,700 Building $264,300	$410,227 Land $109,886 Building $300,341
2024	$3,985.00 (-50.47%)
2023	$8,046.00	$361,000 (+11.08%) Land $96,700 Building $264,300	$361,000 (-23.36%) Land $96,700 Building $264,300
2022	$8,046.00	$325,000 Land $35,900 Building $289,100	$471,014 Land $52,029 Building $418,985

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

Flood

FEMA maps place 1307 E Lake Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1981–2004)
Most Recent Claim	Apr 2004 · rainfall accumulation

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 1307 E Lake Rd 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 93% of the US · lower than 89% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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