Cortland County and Cortlandville Town property record for 1848 E River Rd, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2.5 ba · 2,868 sqft · built 1983 |
| Lot Size | 5.1 acres (222,156 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $141,450 (Sep 1997) |
| Tax Bill | $7,978 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 112289 77.00-07-01.000 |
| Primary APN | 112289 77.00-07-01.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 2,868 sqft Living Area |
| 1st Floor Area | 2,868 sqft |
| Basement Area | 512 sqft |
| Finished Basement | 512 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 222,156 sqft (5.1 acres) |
| Garage Type | Basement |
| Porch | Slab |
|---|---|
| Porch Area | 450 sqft |
| Patio Area | 225 sqft |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1848 E RIVER RD |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-8720 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Block | 7 |
| Legal Lot Number | 1.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLANDVILLE |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 970400 |
Source: Cortland County and Cortlandville Town records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 1848 E RIVER RD, CORTLAND, NY 13045-8720 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 3, 2026 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Sep 24, 2018 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 1997 · Amount on Record |
| Deed Sale | Sep 23, 1997 · Amount on Record |
| Deed Book / Page | 1997 / 4311 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 3, 2026 |
| Property Address | 1848 E RIVER RD, CORTLAND, NY 13045-8720 |
| Document Number | 0000003965 |
| Instrument Date | Aug 14, 2026 |
| Instrument | 20263965 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1848 E RIVER RD, CORTLAND, NY 13045-8720 |
| Document Number | 0000003965, |
|---|---|
| Date | Sep 3, 2026 |
| Instrument | 20263965 |
| Name | KEYBANK USA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 1848 E RIVER RD, CORTLAND, NY 13045-8720 |
| Document Number | 0000005646 |
| Instrument Date | Sep 24, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 1848 E RIVER RD CORTLAND NY 130458720, CORTLAND, NY 13045-8720 |
| Document Number | 0000005646 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 5646 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cortland County and Cortlandville Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Cortlandville Town |
| Unified School District | Homer Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,978.00 (+117.68%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $3,665.00 (+3.47%) | $183,900 (-) Land $24,200 Building $159,700 | $291,905 (+11.11%) Land $38,413 Building $253,492 |
| 2023 | $3,542.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $183,900 Land $24,200 Building $159,700 | $262,714 Land $34,571 Building $228,143 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 in force |
| Nearby Flood Claims | 12 (1981–2013) |
| Claims Outside the SFHA | 3 of 12 |
| Most Recent Claim | Jul 2013 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless | 980 / 880 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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