2103 E River Rd, Cortland, NY 13045 Property Records

Cortland County and Homer Town property record for 2103 E River Rd, Cortland, NY 13045 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1880
Square Footage	2,200 sqft Living Area
Lot Size	189,486 sqft (4.35 acres)
Occupancy	Owner Occupied
Last Sale	$330,000 (2023)
Tax Bill	$3,205.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`113089 77.00-02-08.000`
Alternative APN	`308907700000020080000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Building Area	2,200 sqft Living Area
1st Floor	1,720 sqft 1st Floor
Upper Floors	480 sqft Upper Floors
Stories	1 Stories

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	189,486 sqft (4.35 acres)

Exterior Amenities

Pool Type	Above-Ground Pool Pool Type
Shed	1 Shed
Porch Area	147 sqft Porch
Canopy Area	204 sqft Canopy

Utilities and HVAC

Heating System	Hot Water Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Well Water Source

Location & Zoning

Street Address	2103 E RIVER RD
City	CORTLAND
State	NY
Zip	13045-9755
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Subdivision	EAST RIVER ROAD
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	CORTLAND NY
Minor Civil Division	HOMER
Census Blockgroup	1
Census Block	1069
Census Tract	970202

Owner

Source: Cortland County and Homer Town records · APN 113089 77.00-02-08.000

Assessment roll updated March 30, 2026 · Last verified April 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 File
Mailing Address	2103 E RIVER RD, CORTLAND, NY 13045-9755
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 20, 2023 · Amount on Record
Deed Sale	Mar 20, 2023 · Amount on Record
Prior Sale	Dec 08, 2005 · Amount on Record
Deed Doc Number	20231060
Prior Transfer Date	Dec 07, 2005
Prior Transfer Doc	0104356004
Record Refreshed	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Mar 20, 2023
Property Address	2103 E RIVER RD, CORTLAND, NY 13045-9755
Document Number	0000001060
Instrument Date	Mar 16, 2023
Instrument	2023-01060
Transaction Type	Transfer
Record Updated	Apr 12, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenant By Entirety
Address	813 S LAMONT DR, CORTLAND, NY 13045-3632

Mortgage

Document Number	0000001061
Date	Mar 20, 2023
Instrument	2023-01061

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cortland County and Homer Town records · Assessment roll updated March 30, 2026 · Last verified April 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,205.00 (+18.35%)	$175,000 (+16.67%) Land $23,400 Building $151,600	$261,194 (+20.15%) Land $34,925 Building $226,269
2023	$2,708.00 Veteran's exemption	$150,000 Land $23,400 Building $126,600	$217,391 Land $33,913 Building $183,478

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cortland County (36023C), updated August 11, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.