Cortland County and Cortland City property record for 32 Cedar St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1920 |
| Lot Size | 0.191 acres (8,354 sqft) |
| Owner | Individual Name on File |
| Last Sale | $191,000 (Jun 2026) |
| Tax Bill | $6,087 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Aug 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.75-01-39.000 |
| Primary APN | 110200 86.75-01-39.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 630 sqft |
| 2nd Floor Area | 546 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,354 sqft (0.191 acres) |
| Lot Dimensions | 138 ft deep x 60.2 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 312 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 32 CEDAR ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-3006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 970600 |
32 Cedar St is owned by an individual who bought it in June 2026.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 95 N MAIN ST, CORTLAND, NY 13045-1207 |
| 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 |
|---|---|
| Jun 16, 2026 | Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Aug 10, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage CFCU COMMUNITY CU |
| Aug 10, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2026 · Amount on File |
| Deed Sale | Jun 16, 2026 · Amount on File |
| Prior Sale | Aug 10, 2023 · Amount on File |
| Deed Document Number | 20262619 |
| Prior Transfer Date | Jan 19, 2011 |
| Prior Transfer Doc | 0000000919 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jun 16, 2026 |
| Property Address | 32 CEDAR ST, CORTLAND, NY 13045-3006 |
| Document Number | 0000002619 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 20262619 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $77,164.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 95 N MAIN ST, CORTLAND, NY 13045-1207 |
| Document Number | 0000002620, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 20262620 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Aug 10, 2023 |
| Property Address | 32 CEDAR ST, CORTLAND, NY 13045-3006 |
| Document Number | 0000004904 |
| Instrument | 2023-04904 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| 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 | 29 E GARFIELD ST, CORTLAND, NY 13045-2305 |
| Document Number | 0000004905 |
|---|---|
| Date | Aug 10, 2023 |
| Instrument | 2023-04905 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Aug 10, 2023 |
| Property Address | 32 CEDAR ST, CORTLAND, NY 13045-3006 |
| Document Number | 0000004903 |
| Instrument | 2023-04903 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 32 CEDAR ST, CORTLAND, NY 13045-3006 |
The 2026 property tax bill for 32 Cedar St was $6,087, up 62.8% 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 | $6,087.00 (+62.75%) | ||
| 2025 | $3,740.00 | $160,000 Land $16,100 Building $143,900 | $164,948 Land $16,598 Building $148,350 |
| 2023 | $2,809.00 (+163.26%) Homeowner's exemption | $81,400 (-) Land $11,300 Building $70,100 | $111,507 (+13.7%) Land $15,479 Building $96,028 |
| 2022 | $1,067.00 Homeowner's exemption | $81,400 Land $11,300 Building $70,100 | $98,072 Land $13,614 Building $84,458 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 32 Cedar St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
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 32 Cedar St is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 210 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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