Cortland County and Cortland City property record for 3 Chestnut St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,856 sqft · built 1900 |
| Lot Size | 0.169 acres (7,402 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $206,000 (Nov 2021) |
| Tax Bill | $8,728 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-03-23.000 |
| Primary APN | 110200 86.32-03-23.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,856 sqft Living Area |
| 1st Floor Area | 1,128 sqft |
| 2nd Floor Area | 728 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,402 sqft (0.169 acres) |
| Lot Dimensions | 148 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 CHESTNUT ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 23.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 970700 |
3 Chestnut St is owned and occupied by two individuals who bought it in November 2021.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| 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 |
|---|---|
| Nov 15, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION |
| Sep 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 15, 2021 · Amount on File |
| Deed Sale | Nov 15, 2021 · Amount on File |
| Prior Sale | Sep 5, 2008 · Amount on File |
| Deed Document Number | 20216219 |
| Prior Transfer Date | Jul 13, 2002 |
| Prior Transfer Doc | 2002004624 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Nov 15, 2021 |
| Property Address | 3 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 6219 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 2021-06219 |
| Transaction Type | Transfer |
| Record Updated | Dec 7, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2116 VANDERBILT LN, AUSTIN, TX 78723-1464 |
| Document Number | 6220 |
|---|---|
| Date | Nov 15, 2021 |
| Instrument | 2021-06220 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 3 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 0000004233 |
| Instrument Date | Sep 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3 CHESTNUT ST CORTLAND NY 130451719, CORTLAND, NY 13045-1719 |
| Document Number | 0000004233 |
|---|---|
| Date | Sep 10, 2020 |
| Instrument | 4233 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 9, 2040 |
The 2026 property tax bill for 3 Chestnut St was $8,728, up 63% 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 | $8,728.00 (+63.02%) | ||
| 2025 | $5,354.00 | $230,000 Land $15,000 Building $215,000 | $237,113 Land $15,464 Building $221,649 |
| 2023 | $4,496.00 | $130,000 Land $10,500 Building $119,500 | $178,082 Land $14,384 Building $163,698 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3 Chestnut St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 82 (1981–2013) |
| Claims Outside the SFHA | 2 of 82 |
| Most Recent Claim | Aug 2013 · river or lake flooding |
| Claims by Event |
|
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 3 Chestnut 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: 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 327 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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