35 Main St, Mc Graw, NY 13101 Property Records

Cortland County and Cortlandville Town property record for 35 Main St, Mc Graw, NY 13101

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,208 sqft · built 1860
Lot Size	0.142 acres (6,200 sqft)
Owner	Individual Name on Record
Last Sale	$63,500 (Jun 2026)
Tax Bill	$3,001 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`112203 88.15-01-22.000`

Property Details

APN / Parcel Number

Primary APN	`112203 88.15-01-22.000`
Alternative APN	`220308801500010220000000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,208 sqft Total Area
1st Floor Area	1,104 sqft
2nd Floor Area	1,104 sqft

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1860
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	6,200 sqft (0.142 acres)
Lot Dimensions	155 ft deep x 40 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	35 MAIN ST
City	MC GRAW
State	NY
Zip	13101-7701
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	04 - FARM
Legal Block	1
Legal Lot Number	22.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLANDVILLE
Census Block Group	1
Census Block	1028
Census Tract	970400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Main Street Historic District listed 1986 · 35 contributing resources · NRIS 86002773

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Cortland County and Cortlandville Town 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	Individual Name on Record
Mailing Address	19 MAPLE AVE, CORTLAND, NY 13045-2005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK
Apr 3, 2017	Deed of Trust, Mortgage · Conventional Mortgage VILLAGE OF MCGRAW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Sep 9, 2004 · Amount on Record
Deed Document Number	20262872
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Recording Date	Jul 8, 2026
Property Address	35 MAIN ST, MC GRAW, NY 13101-7701
Document Number	0000003008
Instrument Date	Jun 29, 2026
Instrument	20263008
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 MAPLE AVE, CORTLAND, NY 13045-2005

Mortgage

Document Number	0000003008,
Date	Jul 8, 2026
Instrument	20263008

Lender

Name	COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jun 30, 2026
Property Address	35 MAIN ST, MC GRAW, NY 13101-7701
Document Number	0000002872
Instrument Date	Jun 22, 2026
Instrument	20262872
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25,654.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 MAPLE AVE, CORTLAND, NY 13045-2005

Mortgage

Document Number	0000002873,
Date	Jun 30, 2026
Instrument	20262873

Lender

Name	COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	35 MAIN ST, MC GRAW, NY 13101-7701
Document Number	0000005444
Instrument Date	Apr 3, 2017
Transaction Type	Mortgage
Record Updated	Nov 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	35 MAIN ST MC GRAW NY 13101, MC GRAW, NY 13101

Mortgage

Document Number	0000005444
Date	Nov 8, 2017
Instrument	5444

Lender

Name	VILLAGE OF MCGRAW
Address	CEMETERY ST, MCGRAW, NY 13101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cortland County and Cortlandville Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Cortlandville Town
Municipality	McGraw Village
Unified School District	McGraw Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,001.00 (+191.08%) Homeowner's exemption Veteran's exemption
2025	$1,031.00 (+3%)	$59,900 (-) Land $6,600 Building $53,300	$95,079 (+11.11%) Land $10,476 Building $84,603
2023	$1,001.00 Homeowner's exemption Veteran's exemption	$59,900 Land $6,600 Building $53,300	$85,571 Land $9,429 Building $76,142

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	12 (1981–2013)
Claims Outside the SFHA	3 of 12
Most Recent Claim	Jul 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2013 · 10 claims

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MCGRAW VILLAGE serves 1,306 people · EPA ID NY1101758
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	12 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 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
Point Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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