Cortland County and Cortland City property record for 27 Front St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,564 sqft · built 1900 |
| Lot Size | 0.209 acres (9,137 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $43,600 (Nov 2000) |
| Tax Bill | $4,229 (2026) |
| Deeds & Mortgages | Nov 2018 Mortgage Mar 2022 Mortgage + 2 more |
| Flood Zone | Zone AE (high risk) |
| APN | 110200 86.26-01-16.000 |
| Primary APN | 110200 86.26-01-16.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,564 sqft Living Area |
| 1st Floor Area | 766 sqft |
| 2nd Floor Area | 798 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 9,137 sqft (0.209 acres) |
| Lot Dimensions | 152 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 27 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 | 16.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 970500 |
Source: Cortland County and Cortland City records, as of September 23, 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 Record |
|---|---|
| Mailing Address | 23 FRONT ST, CORTLAND, NY 13045-1219 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2018 | Deed of Trust, Mortgage CFCU COMMUNITY CREDIT UNION |
| Mar 21, 2022 | Warranty Deed, Transfer · ARM CFCU COMMUNITY CU |
| Jan 19, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jan 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2000 · Amount on Record |
| Deed Sale | Nov 17, 2000 · Amount on Record |
| Deed Book / Page | 2000 / 5175 |
| Last Transfer Date | Mar 14, 2022 |
| Transfer Doc | 0000001565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 27 FRONT ST, CORTLAND, NY 13045-1219 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000006489 |
|---|---|
| Date | Nov 29, 2018 |
| Instrument | 2018-06489 |
| Name | CFCU COMMUNITY CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|---|
| Term | 110 Months |
| Due | Jan 1, 2028 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Mar 21, 2022 |
| Property Address | 27 FRONT ST, CORTLAND, NY 13045-1219 |
| Document Number | 0000001565 |
| Instrument Date | Mar 14, 2022 |
| Instrument | 2022-01565 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 FRONT ST, CORTLAND, NY 13045-1219 |
| Document Number | 0000001566 |
|---|---|
| Date | Mar 21, 2022 |
| Instrument | 2022-01566 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.2% |
| Type Change Date | Feb 1, 2027 |
| Index | 1-Year CMT |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jan 19, 2021 |
| Property Address | 27 FRONT ST, CORTLAND, NY 13045-1219 |
| Document Number | 0000000254 |
| Instrument Date | Jan 19, 2021 |
| Instrument | 254 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 FRONT ST CORTLAND NY 130451219, CORTLAND, NY 13045-1219 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 27 FRONT ST, CORTLAND, NY 13045-1219 |
| Document Number | 0000003182 |
| Instrument Date | Jan 13, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2018 |
| Name | Verified Name |
|---|---|
| Address | 23 FRONT ST CORTLAND NY 130451219, CORTLAND, NY 13045-1219 |
| Document Number | 0000003182 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 3182 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 29, 2048 |
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 | $4,229.00 (+61.72%) | ||
| 2025 | $2,615.00 (+27.31%) | $110,000 (+90.97%) Land $17,000 Building $93,000 | $113,402 (+43.72%) Land $17,526 Building $95,876 |
| 2023 | $2,054.00 | $57,600 Land $11,900 Building $45,700 | $78,904 Land $16,301 Building $62,603 |
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 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.
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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