Cortland County and Cortland City property record for 23 Front St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,941 sqft · built 1950 |
| Lot Size | 0.202 acres (8,831 sqft) |
| Owner | Individual Name on File |
| Last Sale | $39,750 (Jun 2001) |
| Tax Bill | $3,184 (2026) |
| Deeds & Mortgages | May 2021 Refinance May 2021 Refinance |
| Flood Zone | Zone AE (high risk) |
| APN | 110200 86.26-01-20.000 |
| Primary APN | 110200 86.26-01-20.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,941 sqft Living Area |
| 1st Floor Area | 959 sqft |
| 2nd Floor Area | 448 sqft |
| Upper Floors Area | 534 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,831 sqft (0.202 acres) |
| Lot Dimensions | 147 ft deep x 60 ft wide |
| Garage Type | Attached |
| Garage Area | 208 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 216 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 FRONT ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 970500 |
23 Front St is owned and occupied by an individual who bought it in June 2001.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12 FRONT ST, CORTLAND, NY 13045-1249 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NY LK HSNG FIN AGNCY |
| May 17, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CORTLAND CITY OF |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2001 · Amount on File |
| Deed Sale | Jun 25, 2001 · Amount on File |
| Deed Book / Page | 2001 / 2933 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 23 FRONT ST, CORTLAND, NY 13045-1219 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2754 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021-02754 |
| Name | NY LK HSNG FIN AGNCY |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 23 FRONT ST, CORTLAND, NY 13045-1219 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2752 |
|---|---|
| Date | May 17, 2021 |
| Instrument | 2021-02752 |
| Name | CORTLAND CITY OF |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 23 Front St was $3,184 with exemptions applied, up 18% from the year before.
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 |
|---|---|---|---|
| 2026 | $3,184.00 (+17.97%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,699.00 | $115,000 Land $16,700 Building $98,300 | $118,557 Land $17,217 Building $101,340 |
| 2023 | $2,145.00 Homeowner's exemption | $60,700 Land $11,600 Building $49,100 | $83,151 Land $15,890 Building $67,261 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Front St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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 | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2005) |
| Most Recent Claim | Apr 2005 · Severe Storms And Flooding |
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.
The area around 23 Front St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 142 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 | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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