16 Mill St, Marathon, NY 13803 Property Records

Cortland County and Marathon Town property record for 16 Mill St, Marathon, NY 13803

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,344 sqft · built 1900
Owner	2 Individual Names on Record
Tax Bill	$1,059 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Jan 2026 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`113401 157.16-01-16.000`

Property Details

APN / Parcel Number

Primary APN	`113401 157.16-01-16.000`
Alternative APN	`340115701600010160000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,344 sqft Total Area
1st Floor Area	768 sqft
Upper Floors Area	432 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Dimensions	125 ft deep x 75 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Enclosed Porch
Porch Area	152 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	16 MILL ST
City	MARATHON
State	NY
Zip	13803-7711
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	16.000
Jurisdiction	CORTLAND NY
Township / Civil Division	MARATHON
Census Block Group	3
Census Block	3017
Census Tract	971100

Owner

Source: Cortland County and Marathon Town 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	2 Individual Names on Record
Mailing Address	PO BOX 867, MARATHON, NY 13803-0867
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Line of Credit EMPOWER FEDERAL CREDIT UNION
Jan 23, 2026	Deed of Trust, Mortgage EMPOWER FCU
Sep 2, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU
May 18, 2017	Loan Modification, Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Recording Date	Sep 9, 2026
Property Address	16 MILL ST, MARATHON, NY 13803-7711
Document Number	0000004054
Instrument Date	Aug 24, 2026
Instrument	20264054
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MILL ST, MARATHON, NY 13803-7711

Mortgage

Document Number	0000004054,
Date	Sep 9, 2026
Instrument	20264054

Lender

Name	EMPOWER FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	16 MILL ST, MARATHON, NY 13803-7711
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000313
Date	Jan 23, 2026
Instrument	2026-00313

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	16 MILL ST, MARATHON, NY 13803-7711
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004858
Date	Sep 2, 2022
Instrument	2022-04858

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CORTLAND NY
Property Address	16 MILL ST, MARATHON, NY 13803-7711
Document Number	0000002251
Transaction Type	Mortgage
Record Updated	May 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MILL ST MARATHON NY 138037711, MARATHON, NY 13803-7711

Mortgage

Document Number	0000002251
Date	May 18, 2017
Instrument	2251

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Amount	Amount Recorded
Term	468 Months
Due	May 17, 2056

Tax Assessment & Valuation

Source: Cortland County and Marathon Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Marathon Town
Municipality	Marathon Village
Unified School District	Marathon Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,059.00 (-1.12%)	$52,300 (-) Land $7,900 Building $44,400	$78,060 (+9.7%) Land $11,791 Building $66,269
2023	$1,071.00 Homeowner's exemption Senior Citizen's exemption	$52,300 Land $7,900 Building $44,400	$71,156 Land $10,748 Building $60,408

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

Flood

Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	31 (1979–2005)
Claims Outside the SFHA	4 of 31
Most Recent Claim	Apr 2005 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2005 · 16 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

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	None beyond ember reach

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	MARATHON VILLAGE serves 1,107 people · EPA ID NY1101759
Water Source	Groundwater
Last State Inspection	Apr 2024
Lead	2 ppb (2021–2023) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 161 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

May also be available: Point Broadband, Verizon.

Nearby Properties on Mill St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures