1603 E River Rd, Cortland, NY 13045 Property Records

Cortland County and Cortlandville Town property record for 1603 E River Rd, Cortland, NY 13045 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,690 sqft · built 1965
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,155 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112289 87.00-03-01.000`

Property Details

APN / Parcel Number

Primary APN	`112289 87.00-03-01.000`
Alternative APN	`228908700000030010000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,690 sqft Living Area
1st Floor Area	1,026 sqft
Upper Floors Area	664 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	96,268 sqft (2.21 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	355 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1603 E RIVER RD
City	CORTLAND
State	NY
Zip	13045-8715
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	1.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLANDVILLE
Census Block Group	1
Census Block	1012
Census Tract	970400

Owner

Source: Cortland County and Cortlandville Town records · APN 112289 87.00-03-01.000

Assessment roll updated March 30, 2026 · Last verified April 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 File
Mailing Address	1603 E RIVER RD, CORTLAND, NY 13045-8715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2005
Deed Sale	Feb 15, 2005
Prior Sale	Jun 27, 1997 · Amount on Record
Deed Book / Page	10335 / 30001
Record Updated	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	1603 E RIVER RD, CORTLAND, NY 13045-8715
Document Number	0000002140
Instrument Date	May 04, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 E RIVER RD CORTLAND NY 130458715, CORTLAND, NY 13045-8715

Mortgage

Document Number	0000002140
Date	May 08, 2020
Instrument	2140

Lender

Name	NBT BK
Type	Bank
Address	NORWICH, NY 13815

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	156 Months
Due	May 07, 2033

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cortland County and Cortlandville Town records · Assessment roll updated March 30, 2026 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,155.00 (+1.97%)	$145,100 (-) Land $21,300 Building $123,800	$230,317 (+11.11%) Land $33,809 Building $196,508
2023	$3,094.00 Homeowner's exemption Additional exemption filed	$145,100 Land $21,300 Building $123,800	$207,286 Land $30,429 Building $176,857

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cortland County (36023C), updated August 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360239704001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 14 individual NFIP policies nearby
Nearby Flood Policies	14 in force 6 of 14 on primary residences
Nearby Flood Claims	12 (1981–2013)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jul 2013, river or lake flooding, Severe Storms And Flooding
Flood Events	Severe Storms And Flooding (Jul 2013), 10 claims

Wildfire

Wildfire Risk	Low above 7% of the US · above 11% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.