Cortland County and Harford Town property record for 369 Rte 38, Harford, NY 13784
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 2,288 sqft · built 1870 |
| Lot Size | 58.8 acres (2,561,328 sqft) |
| Owner | Individual Name on File |
| Last Sale | $118,000 (Jun 2006) |
| Tax Bill | $3,040 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Aug 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 112800 162.00-02-33.121 |
| Primary APN | 112800 162.00-02-33.121 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,288 sqft Living Area |
| 1st Floor Area | 1,673 sqft |
| 2nd Floor Area | 960 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,561,328 sqft (58.8 acres) |
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 369 ROUTE 38 |
|---|---|
| City | HARFORD |
| State | NY |
| Zip | 13784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Block | 2 |
| Legal Lot Number | 33.121 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | HARFORD |
| Census Block Group | 3 |
| Census Block | 3088 |
| Census Tract | 971200 |
Source: Cortland County and Harford Town records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 369 ROUTE 38, RICHFORD, NY 13835 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Line of Credit CFCU COMMUNITY CU |
| Aug 10, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 14, 2006 · Amount on File |
| Deed Sale | Jun 14, 2006 · Amount on File |
| Deed Book / Page | 10498 / 68002 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 369 ROUTE 38, HARFORD, NY 13784 |
| Transaction Type | Mortgage |
| Record Updated | May 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000002218 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 2022-02218 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 369 ROUTE 38, HARFORD, NY 13784 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000004246 |
|---|---|
| Date | Aug 10, 2021 |
| Instrument | 2021-04246 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Sep 1, 2031 |
Source: Cortland County and Harford Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Harford Town |
| Unified School District | Dryden Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,040.00 (-2.12%) | $167,200 (-) Land $92,400 Building $74,800 | $220,000 (+18.42%) Land $121,579 Building $98,421 |
| 2023 | $3,106.00 Homeowner's exemption | $167,200 Land $92,400 Building $74,800 | $185,778 Land $102,667 Building $83,111 |
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 | 7 (2011–2017) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Haefele Connect Fiber | 2,000 / 2,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures