Cortland County and Cortland City property record for 18 Frank St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,864 sqft · built 1880 |
| Lot Size | 0.158 acres (6,883 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $57,000 (Jun 1999) |
| Tax Bill | $5,164 (2026) |
| Deeds & Mortgages | Dec 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 96.24-01-52.000 |
| Primary APN | 110200 96.24-01-52.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| 2nd Floor Area | 812 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,883 sqft (0.158 acres) |
| Lot Dimensions | 120 ft deep x 57 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 320 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 18 FRANK ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-3255 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 1 |
| Legal Lot Number | 52.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 970900 |
18 Frank St is owned and occupied by two individuals who bought it in June 1999.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 18 FRANK ST, CORTLAND, NY 13045-3255 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 1999 · Amount on File |
| Deed Sale | Jun 4, 1999 · Amount on File |
| Prior Sale | Jun 4, 1999 |
| Deed Book / Page | 1999 / 2848 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 18 FRANK ST, CORTLAND, NY 13045-3255 |
| Document Number | 0000000076 |
| Instrument Date | Dec 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2021 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 18 FRANK ST CORTLAND NY 130453255, CORTLAND, NY 13045-3255 |
| Document Number | 0000000076 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 76 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jan 6, 2046 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 18 Frank St was $5,164 with a homeowner's exemption, up 52.4% 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 | $5,164.00 (+52.38%) Homeowner's exemption | ||
| 2025 | $3,389.00 | $145,000 Land $14,400 Building $130,600 | $149,485 Land $14,845 Building $134,640 |
| 2023 | $3,357.00 Homeowner's exemption | $96,700 Land $10,100 Building $86,600 | $132,466 Land $13,836 Building $118,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18 Frank St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 18 Frank St is low, with less than a 0.01% annual chance of 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.
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 445 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
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