2045 E River Rd, Cortland, NY 13045 Property Records

Cortland County and Cortlandville Town property record for 2045 E River Rd, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,837 sqft · built 1940
Lot Size	0.411 acres (17,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$23,500 (Dec 2015)
Tax Bill	$3,861 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Dec 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`112289 77.00-09-06.000`

Property Details

APN / Parcel Number

Primary APN	`112289 77.00-09-06.000`
Alternative APN	`228907700000090060000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 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	17,940 sqft (0.411 acres)
Lot Dimensions	207 ft deep x 86.6 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2045 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	6.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLANDVILLE
Census Block Group	1
Census Block	1008
Census Tract	970400

Owner

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	2045 E RIVER RD, CORTLAND, NY 13045-9752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2023	Deed of Trust, Mortgage · Line of Credit CFCU COMMUNITY CU
Dec 11, 2017	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2015 · Amount on Record
Deed Sale	Dec 14, 2015 · Amount on Record
Prior Sale	Sep 10, 2014 · Amount on Record
Deed Document Number	20156902
Prior Transfer Date	Aug 27, 2014
Prior Transfer Doc	0000004245
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	2045 E RIVER RD, CORTLAND, NY 13045-9752
Transaction Type	Mortgage
Record Updated	Feb 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000476
Date	Feb 3, 2023
Instrument	2023-00476

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2038

Interest

Rate Type	Adjustable Rate

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CORTLAND NY
Recording Date	Dec 11, 2017
Property Address	2045 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000006022
Instrument Date	Dec 7, 2017
Instrument	6022
Transaction Type	Transfer
Record Updated	Jan 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CORTLAND NY
Recording Date	Dec 11, 2017
Property Address	2045 E RIVER RD, CORTLAND, NY 13045-9752
Document Number	0000006002
Instrument Date	Dec 7, 2017
Instrument	6002
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E RIVER RD CORTLAND NY 130459752, CORTLAND, NY 13045-9752

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,861.00 (+106.91%)
2025	$1,866.00 (+1.97%)	$85,000 (-) Land $10,700 Building $74,300	$134,921 (+11.11%) Land $16,984 Building $117,937
2023	$1,830.00	$85,000 Land $10,700 Building $74,300	$121,429 Land $15,286 Building $106,143

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 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	Severe Storms And Flooding, Jul 2013 · 10 claims

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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