1656 State Rte 221, Marathon, NY 13803 Property Records

Cortland County and Harford Town property record for 1656 State Rte 221, Marathon, NY 13803

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,142 sqft · built 1860
Lot Size	42.8 acres (1,865,239 sqft)
Owner	Individual Name on File
Tax Bill	$2,909 (2025)
Deeds & Mortgages	Sep 2022 Refinance Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`112800 155.00-01-07.000`

Property Details

APN / Parcel Number

Primary APN	`112800 155.00-01-07.000`
Alternative APN	`280015500000010070000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,142 sqft Living Area
1st Floor Area	922 sqft
2nd Floor Area	400 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	1,865,239 sqft (42.8 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	355 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1656 STATE ROUTE 221
City	MARATHON
State	NY
Zip	13803-1238
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	N00
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	CORTLAND NY
Township / Civil Division	HARFORD
Census Block Group	3
Census Block	3058
Census Tract	971200

Owner

Source: Cortland County and Harford Town records · APN 112800 155.00-01-07.000

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	Individual Name on File
Mailing Address	1656 STATE ROUTE 221, MARATHON, NY 13803-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK OF DRYDEN
Apr 30, 2020	Grant Deed, Transfer · FHA Mortgage FIRST PRIORITY MTG
Aug 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 08, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	1656 STATE ROUTE 221, MARATHON, NY 13803-1238
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005274
Date	Sep 30, 2022
Instrument	2022-05274

Lender

Name	FIRST NATIONAL BANK OF DRYDEN

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	265 Months
Due	Oct 01, 2044

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CORTLAND NY
Recording Date	Apr 30, 2020
Property Address	1656 STATE ROUTE 221, MARATHON, NY 13803-1238
Document Number	0000002029
Instrument Date	Apr 21, 2020
Instrument	2029
Transaction Type	Transfer
Record Updated	Jun 08, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$632.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 RIVER RD MARATHON NY 138033821, MARATHON, NY 13803-3821

Mortgage

Document Number	2030
Date	Apr 30, 2020
Instrument	2030

Lender

Name	FIRST PRIORITY MTG
Type	Mortgage Company
Address	WILLIAMSVILLE, NY 14221

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Aug 18, 2017
Property Address	1656 STATE ROUTE 221, MARATHON, NY 13803-1238
Document Number	0000003973
Instrument Date	Aug 18, 2017
Instrument	2017-03973
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3466 STATE ROUTE 221, 3466, MARATHON, NY 13803-2258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 ELFRED ST, JOHNSON CITY, NY 13790-2831

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Harford Town
Unified School District	Marathon 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	$2,909.00 (-2.12%)	$160,000 (-) Land $66,400 Building $93,600	$210,526 (+18.42%) Land $87,368 Building $123,158
2023	$2,972.00	$160,000 Land $66,400 Building $93,600	$177,778 Land $73,778 Building $104,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 11, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (2011–2017)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2017 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Haefele TV Fiber	2,000 / 2,000
Point Broadband Fiber Holding Fiber	1,000 / 1,000

Based on FCC filings for 5 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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