205 2nd St, Ithaca, NY 14850 Property Records

Tompkins County and Ithaca City property record for 205 2nd St, Ithaca, NY 14850

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,498 sqft · built 1890
Lot Size	0.13 acres (5,696 sqft)
Owner	2 Individual Names on File
Last Sale	$418,000 (Jun 2024)
Tax Bill	$7,497 (2026)
Deeds & Mortgages	May 2020 Loan Modification Jun 2019 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`500700 45.-2-16`

Property Details

APN / Parcel Number

Primary APN	`500700 45.-2-16`
Alternative APN	`070004500000020160000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,498 sqft Living Area
1st Floor Area	1,222 sqft
Upper Floors Area	276 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,696 sqft (0.13 acres)
Lot Dimensions	105 ft deep x 54.3 ft wide
Porch	Slab
Porch Area	245 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	205 2ND ST
City	ITHACA
State	NY
Zip	14850-3450
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2B
Legal Description	NICOLA ARMSTER & B SMITH
Legal Block	2
Legal Lot Number	16.000
Jurisdiction	TOMPKINS NY
Township / Civil Division	ITHACA
Census Block Group	1
Census Block	1047
Census Tract	800

Owner

205 2nd St is owned by two individuals who bought it in June 2024.

Source: Tompkins County and Ithaca City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	430 W STATE ST, 229, ITHACA, NY 14850-5298
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Loan Modification, Mortgage · Conventional Mortgage TOMPKINS TR CO
Jun 18, 2019	Grant Deed, Transfer · Conventional Mortgage TOMPKINS TR CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2024 · Amount on File
Deed Sale	Jun 13, 2024 · Amount on File
Prior Sale	Jun 18, 2019 · Amount on File
Deed Document Number	20245564
Prior Transfer Date	Nov 9, 2000
Record Updated	Oct 29, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	TOMPKINS NY
Property Address	205 2ND ST, ITHACA, NY 14850-3450
Document Number	0000005106
Instrument Date	May 27, 2020
Transaction Type	Mortgage
Record Updated	Jul 8, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 2ND ST ITHACA NY 148503450, ITHACA, NY 14850-3450

Mortgage

Document Number	0000005106
Date	Jun 8, 2020
Instrument	5106

Lender

Name	TOMPKINS TR CO
Address	ITHACA, NY 14850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	3.12%

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	TOMPKINS NY
Recording Date	Jun 18, 2019
Property Address	205 2ND ST, ITHACA, NY 14850-3450
Document Number	0000006843
Instrument Date	Jun 18, 2019
Instrument	6843
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	205 2ND ST ITHACA NY 148503450, ITHACA, NY 14850-3450

Mortgage

Document Number	6844
Date	Jun 18, 2019
Instrument	6844

Lender

Name	TOMPKINS TR CO
Address	ITHACA, NY 14850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 17, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 205 2nd St was $7,497, down 37.3% from the year before.

Source: Tompkins County and Ithaca City assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tompkins County
Municipality	Ithaca City
Unified School District	Ithaca City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,497.00 (-37.3%)
2025	$11,956.00	$370,000 Land $46,300 Building $323,700	$370,000 Land $46,300 Building $323,700
2023		$303,000 (+10.18%) Land $46,300 Building $256,700	$303,000 (+10.18%) Land $46,300 Building $256,700
2022		$275,000 Land $46,300 Building $228,700	$275,000 Land $46,300 Building $228,700
2020	$3,789.00

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

Flood

FEMA maps place 205 2nd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 17, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 50 policies
Nearby Flood Policies	50 in force
Nearby Flood Claims	8 (1978–1996)
Most Recent Claim	May 1996 · rainfall accumulation

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

Wildfire risk around 205 2nd 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	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ITHACA CITY serves 29,457 people · EPA ID NY5404416
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Chlorine dioxide resolved · Feb 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 781 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
Empire Long Distance Fiber	1,000 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Fiberspark, Verizon.

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