Cortland County and Cortland City property record for 23 Summit St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 696 sqft · built 1920 |
| Lot Size | 0.164 acres (7,173 sqft) |
| Owner | Company Name on File |
| Last Sale | $90,000 (May 2025) |
| Tax Bill | $3,473 (2026) |
| Deeds & Mortgages | Feb 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.39-03-37.000 |
| Primary APN | 110200 86.39-03-37.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 696 sqft Living Area |
| 1st Floor Area | 696 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Lot Area | 7,173 sqft (0.164 acres) |
| Lot Dimensions | 105 ft deep x 69.6 ft wide |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 136 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 23 SUMMIT ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 37.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 970700 |
23 Summit St is owned by a company that bought it in May 2025.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 84 S MAIN ST, HOMER, NY 13077-1623 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2025 · Amount on File |
| Deed Sale | May 2, 2025 · Amount on File |
| Prior Sale | Nov 20, 2007 · Amount on File |
| Deed Document Number | 20252376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 23 SUMMIT ST, CORTLAND, NY 13045-1632 |
| Document Number | 0000002588 |
| Instrument Date | Feb 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 8, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 23 SUMMIT ST CORTLAND NY 130451632, CORTLAND, NY 13045-1632 |
| Document Number | 0000002588 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 2588 |
| Name | HOUSING TR FUND |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 23 Summit St was $3,473, up 101.1% 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 | $3,473.00 (+101.1%) | ||
| 2025 | $1,727.00 | $90,000 Land $14,800 Building $75,200 | $92,784 Land $15,258 Building $77,526 |
| 2023 | $1,601.00 Homeowner's exemption Disabled Person's exemption | $75,000 Land $10,300 Building $64,700 | $102,740 Land $14,110 Building $88,630 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.
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 File 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.
Wildfire risk around 23 Summit St is low, with less than 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 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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