Cortland County and Cortland City property record for 18 Pendleton St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,632 sqft · built 1885 |
| Lot Size | 0.159 acres (6,938 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $53,400 (Jul 2011) |
| Tax Bill | $2,543 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Dec 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.51-02-16.000 |
| Primary APN | 110200 86.51-02-16.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,632 sqft Living Area |
| 1st Floor Area | 816 sqft |
| 2nd Floor Area | 816 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,938 sqft (0.159 acres) |
| Lot Dimensions | 275 ft deep x 25.2 ft wide |
| Porch | Slab |
| Porch Area | 90 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 18 PENDLETON ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-2251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Subdivision | LANDS OF DOROTHY LUCEY |
| Legal Block | 2 |
| Legal Lot Number | 16.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 970600 |
Source: Cortland County and Cortland City records · APN 110200 86.51-02-16.000
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 | 18 PENDLETON ST, CORTLAND, NY 13045-2251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 27, 2023 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Dec 07, 2021 | Warranty Deed, Transfer · FHA Mortgage PARAGON HOME LOANS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 22, 2011 · Amount on Record |
| Deed Sale | Jul 22, 2011 · Amount on Record |
| Deed Document Number | 20113532 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 18 PENDLETON ST, CORTLAND, NY 13045-2251 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000375 |
|---|---|
| Date | Jan 27, 2023 |
| Instrument | 2023-00375 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Feb 01, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Dec 07, 2021 |
| Property Address | 18 PENDLETON ST, CORTLAND, NY 13045-2251 |
| Document Number | 0000007192 |
| Instrument Date | Dec 07, 2021 |
| Instrument | 2021-07192 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 624 LONG RD, HOMER, NY 13077-8316 |
| Document Number | 0000007193 |
|---|---|
| Date | Dec 07, 2021 |
| Instrument | 2021-07193 |
| Name | PARAGON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cortland County and Cortland City records · Assessment roll updated March 30, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| Municipality | Cortland City |
| Unified School District | Cortland City School District (PK - 12) |
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 | $2,543.00 (+3.63%) | $105,000 (+5%) Land $14,500 Building $90,500 | $108,247 (+12.89%) Land $14,948 Building $93,299 |
| 2023 | $2,454.00 | $70,000 Land $10,100 Building $59,900 | $95,890 Land $13,836 Building $82,054 |
Source: FEMA National Flood Hazard Layer as of August 11, 2016 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Empire Telephone Corporation/North Penn Telephone Company Fiber | 1,000 / 100 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 494 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CORTLAND (C) serves 20,095 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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