Cortland County and Cortlandville Town property record for 2 Charles St, Mc Graw, NY 13101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1920 |
| Lot Size | 0.388 acres (16,920 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $63,400 (Nov 2001) |
| Tax Bill | $3,816 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 112203 88.19-04-03.000 |
| Primary APN | 112203 88.19-04-03.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 16,920 sqft (0.388 acres) |
| Lot Dimensions | 169 ft deep x 100 ft wide |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 2 CHARLES ST |
|---|---|
| City | MC GRAW |
| State | NY |
| Zip | 13101-9191 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Block | 4 |
| Legal Lot Number | 3.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLANDVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970400 |
2 Charles St is owned and occupied by two individuals who bought it in November 2001.
Source: Cortland County and Cortlandville Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2 CHARLES ST, MC GRAW, NY 13101-9191 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2001 · Amount on File |
| Deed Sale | Nov 1, 2001 · Amount on File |
| Deed Book / Page | 2001 / 5600 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 2 Charles St was $3,816 with a homeowner's exemption, up 168.5% from the year before.
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 |
| Municipality | McGraw Village |
| Unified School District | McGraw Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,816.00 (+168.54%) Homeowner's exemption | ||
| 2025 | $1,421.00 | $72,900 Land $9,600 Building $63,300 | $115,714 Land $15,238 Building $100,476 |
| 2023 | $1,406.00 Homeowner's exemption | $72,900 Land $9,600 Building $63,300 | $104,143 Land $13,714 Building $90,429 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2 Charles St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 53 (1981–2021) |
| Claims Outside the SFHA | 26 of 53 |
| Most Recent Claim | Oct 2021 · river or lake 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.
Wildfire risk around 2 Charles St is low, with 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 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MCGRAW VILLAGE serves 1,306 people · EPA ID NY1101758 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | 12 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Point Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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