Cortland County and Cortland City property record for 3 Harmony Cir, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,920 sqft · built 1992 |
| Lot Size | 0.237 acres (10,350 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $69,900 (Sep 1999) |
| Tax Bill | $5,603 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Feb 2017 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.24-05-09.000 |
| Primary APN | 110200 86.24-05-09.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 672 sqft |
| Finished Basement | 672 sqft |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,350 sqft (0.237 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| Patio Area | 400 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 3 HARMONY CIR |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | SNYDER TRACT |
| Legal Block | 5 |
| Legal Lot Number | 9.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 970700 |
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 | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2024 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Feb 6, 2017 | Deed of Trust, Mortgage · Line of Credit CFCU COMMUNITY CU |
| May 13, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Apr 15, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage KEY BANK NA |
| Sep 22, 2014 | Deed of Trust, Mortgage · Conventional with PMI CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 20, 1999 · Amount on Record |
| Deed Sale | Sep 20, 1999 · Amount on Record |
| Prior Sale | Mar 1, 1996 · Amount on Record |
| Deed Book / Page | 1999 / 4835 |
| Last Transfer Date | May 4, 2022 |
| Transfer Doc | 0000002716 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2024 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000000932 |
|---|---|
| Date | Mar 4, 2024 |
| Instrument | 2024-00932 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000631 |
|---|---|
| Date | Feb 6, 2017 |
| Instrument | 2017-00631 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 1, 2022 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | May 13, 2022 |
| Property Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000002716 |
| Instrument Date | May 4, 2022 |
| Instrument | 2022-02716 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Apr 15, 2022 |
| Property Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000002198 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2022-02198 |
| Transaction Type | Transfer |
| Record Updated | Mar 21, 2023 |
| Amount | Amount Recorded |
|---|---|
| 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 | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000002199 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 2022-02199 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 3 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000001372 |
| Instrument Date | Sep 22, 2014 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2017 |
| Title Company | PRECISION ABSTRACT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 3 HARMONY CIR CORTLAND NY 130451055, CORTLAND, NY 13045-1055 |
| Document Number | 0000001372 |
|---|---|
| Date | Mar 23, 2017 |
| Instrument | 1372 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Mar 22, 2044 |
| 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 |
|---|---|---|---|
| 2026 | $5,603.00 (+59.9%) | ||
| 2025 | $3,504.00 (-18.11%) | $145,000 (+21.04%) Land $18,400 Building $126,600 | $149,485 (-8.91%) Land $18,969 Building $130,516 |
| 2023 | $4,279.00 | $119,800 Land $12,800 Building $107,000 | $164,110 Land $17,534 Building $146,576 |
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 |
| 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.
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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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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