16 Willow Ave, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 16 Willow Ave, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,185 sqft · built 1953
Lot Size	0.354 acres (15,459 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Jan 2025)
Tax Bill	$4,263 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`110200 86.34-01-20.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.34-01-20.000`
Alternative APN	`020008603400010200000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,185 sqft Living Area
1st Floor Area	1,185 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cottage
Exterior Material	Concrete
Foundation Type	Slab (Mat/Raft)
Lot Area	15,459 sqft (0.354 acres)
Lot Dimensions	102 ft deep x 150 ft wide
Porch	Slab
Porch Area	136 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	16 WILLOW AVE
City	CORTLAND
State	NY
Zip	13045-1216
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Block	1
Legal Lot Number	20.00
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2005
Census Tract	970500

Owner

16 Willow Ave is owned by an individual who bought it in January 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3102 E RIVER RD, TRUXTON, NY 13158-4129
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 13, 2025 · Amount on File
Deed Sale	Jan 13, 2025 · Amount on File
Prior Sale	Jan 7, 2009 · Amount on File
Deed Document Number	2025131
Prior Transfer Date	Aug 12, 2005
Prior Transfer Doc	0104207001
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Nov 17, 2020
Property Address	16 WILLOW AVE, CORTLAND, NY 13045-1216
Document Number	0000005617
Instrument Date	Nov 10, 2020
Instrument	5617
Transaction Type	Transfer
Record Updated	Dec 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1379 STATE ROUTE 41A CORTLAND NY 13045, CORTLAND, NY 13045

Mortgage

Document Number	5618
Date	Nov 17, 2020
Instrument	5618

Lender

Name	NBT BK
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 16 Willow Ave was $4,263, up 79.3% 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	$4,263.00 (+79.34%)
2025	$2,377.00	$110,000 Land $20,200 Building $89,800	$113,402 Land $20,825 Building $92,577
2023	$2,447.00	$69,400 Land $15,500 Building $53,900	$95,068 Land $21,233 Building $73,835

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

Flood

FEMA maps place 16 Willow Ave in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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

The area around 16 Willow Ave 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.

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 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