Cortland County and Cortland City property record for 22 Summit St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 864 sqft · built 1960 |
| Lot Size | 0.097 acres (4,240 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,434 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.47-01-10.000 |
| Primary APN | 110200 86.47-01-10.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 864 sqft Living Area |
| 1st Floor Area | 864 sqft |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,240 sqft (0.097 acres) |
| Lot Dimensions | 106 ft deep x 40 ft wide |
| Garage Type | Attached |
| Garage Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 128 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 22 SUMMIT ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1633 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 970700 |
Source: Cortland County and Cortland City records, as of March 30, 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 | 22 SUMMIT ST, CORTLAND, NY 13045-1633 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 22 SUMMIT ST, CORTLAND, NY 13045-1633 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000004766 |
|---|---|
| Date | Aug 29, 2022 |
| Instrument | 2022-04766 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
Source: Cortland County and Cortland City assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| Municipality | Cortland City |
| Unified School District | Cortland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,434.00 (+3.9%) | $140,000 (+52.34%) Land $11,500 Building $128,500 | $144,330 (+14.65%) Land $11,856 Building $132,474 |
| 2023 | $3,305.00 Homeowner's exemption | $91,900 Land $8,000 Building $83,900 | $125,890 Land $10,959 Building $114,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (1981) |
| Most Recent Claim | Oct 1981 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CORTLAND (C) serves 20,095 people · EPA ID NY1101754 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 628 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 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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