Cortland County and Cortland City property record for 15 W Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,632 sqft · built 1940 |
| Lot Size | 0.176 acres (7,688 sqft) |
| Owner | Individual Name on File |
| Last Sale | $54,000 (Apr 2001) |
| Tax Bill | $5,146 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Jun 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.33-03-06.000 |
| Primary APN | 110200 86.33-03-06.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 960 sqft |
| 2nd Floor Area | 672 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,688 sqft (0.176 acres) |
| Lot Dimensions | 125 ft deep x 61.7 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 485 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 15 W MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 6.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4012 |
| Census Tract | 970700 |
15 W Main St is owned and occupied by an individual who bought it in April 2001.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 15 W MAIN ST, CORTLAND, NY 13045-1132 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CORTLAND CITY OF |
| Jun 1, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage PARAGON HOME LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 25, 2001 · Amount on File |
| Deed Sale | Apr 25, 2001 · Amount on File |
| Deed Book / Page | 2001 / 1840 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 15 W MAIN ST, CORTLAND, NY 13045-1132 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000303 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 2022-00303 |
| Name | CORTLAND CITY OF |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jun 1, 2021 |
| Property Address | 15 W MAIN ST, CORTLAND, NY 13045-1132 |
| Document Number | 0000003021 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021-03021 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3737 KATIE LN, CORTLAND, NY 13045-9106 |
| Document Number | 0000003022 |
|---|---|
| Date | Jun 1, 2021 |
| Instrument | 2021-03022 |
| Name | PARAGON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 15 W Main St was $5,146, up 62.9% from the year before.
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 | $5,146.00 (+62.9%) | ||
| 2025 | $3,159.00 | $135,000 Land $15,400 Building $119,600 | $139,175 Land $15,876 Building $123,299 |
| 2023 | $3,153.00 | $90,000 Land $10,700 Building $79,300 | $123,288 Land $14,658 Building $108,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15 W Main St in Zone X, an area of minimal flood risk, within 500 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 minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 82 (1981–2013) |
| Claims Outside the SFHA | 2 of 82 |
| Most Recent Claim | Aug 2013 · river or lake flooding |
| 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.
The area around 15 W Main St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures