2039 E River Rd, Cortland, NY 13045 Property Records

Cortland County and Homer Town property record for 2039 E River Rd, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,837 sqft · built 1940
Lot Size	2.7 acres (117,612 sqft)
Owner	Individual Name on Record
Last Sale	$51,250 (Jun 2023)
Tax Bill	$6,813 (2026)
Deeds & Mortgages	Jun 2023 Refinance Aug 2021 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`112289 77.00-09-07.000`

Property Details

APN / Parcel Number

Primary APN	`112289 77.00-09-07.000`
Alternative APN	`228907700000090070000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,837 sqft Living Area
1st Floor Area	1,050 sqft
Upper Floors Area	787 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	117,612 sqft (2.7 acres)
Lot Dimensions	152 ft deep x 88.4 ft wide
Garage Type	Detached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2039 E RIVER RD
City	CORTLAND
State	NY
Zip	13045-9752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Block	9
Legal Lot Number	7.000
Jurisdiction	CORTLAND NY
Township / Civil Division	HOMER
Census Block Group	1
Census Block	1069
Census Tract	970202

Owner

Source: Cortland County and Homer 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	Individual Name on Record
Mailing Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2023	Deed, Transfer · Stand-Alone Refinance HUDSON UNITED MORTGAGE
Aug 11, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA
Aug 23, 2020	Deed of Trust, Mortgage · Line of Credit CFCU CMNTY CU
Oct 30, 2019	Loan Modification, Mortgage CFCU CMNTY CU
Oct 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage CFCU CMNTY CU
Mar 24, 2017	Deed of Trust, Mortgage CFCU CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2023 · Amount on Record
Deed Sale	Jun 21, 2023 · Amount on Record
Prior Sale	Aug 11, 2021 · Amount on Record
Deed Document Number	20232706
Prior Transfer Date	May 17, 2023
Prior Transfer Doc	0000002706
Record Updated	Oct 29, 2026

June 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CORTLAND NY
Recording Date	Jun 21, 2023
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000002706
Instrument Date	May 17, 2023
Instrument	2023-02706
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 E RIVER RD, CORTLAND, NY 13045-9752

Mortgage

Document Number	0000002707
Date	Jun 21, 2023
Instrument	2023-02707

Lender

Name	HUDSON UNITED MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Aug 11, 2021
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	4306
Instrument Date	Aug 6, 2021
Instrument	2021-04306
Transaction Type	Transfer
Record Updated	Sep 7, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 HUBBARD ST, CORTLAND, NY 13045-2208

Mortgage

Document Number	4307
Date	Aug 11, 2021
Instrument	2021-04307

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000005875
Instrument Date	Aug 23, 2020
Transaction Type	Mortgage
Record Updated	Dec 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

Mortgage

Document Number	0000005875
Date	Dec 3, 2020
Instrument	5875

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 2, 2050

Interest

Rate Type	Adjustable Rate

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CORTLAND NY
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000005584
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

Mortgage

Document Number	0000005584
Date	Nov 13, 2019
Instrument	5584

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2034

Interest

Rate Type	Fixed Rate
Rate	3.37%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000005583
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

Mortgage

Document Number	0000005583
Date	Nov 13, 2019
Instrument	5583

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 12, 2034

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	2039 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000001465
Instrument Date	Mar 24, 2017
Transaction Type	Mortgage
Record Updated	May 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2039 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

Mortgage

Document Number	0000001465
Date	Mar 29, 2017
Instrument	1465

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2047

Tax Assessment & Valuation

Source: Cortland County and Homer Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Homer Town
Unified School District	Homer Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,813.00 (+106.89%)
2025	$3,293.00 (+1.95%)	$150,000 (-) Land $15,700 Building $134,300	$238,095 (+11.11%) Land $24,921 Building $213,174
2023	$3,230.00 (+4.56%)	$150,000 (-) Land $15,700 Building $134,300	$214,286 (+14.29%) Land $22,429 Building $191,857
2022	$3,089.00	$150,000 Land $15,700 Building $134,300	$187,500 Land $19,625 Building $167,875

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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	1,000 / 1,000

May also be available: Verizon.

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