Cortland County and Marathon Town property record for 381 Divers Xing, Marathon, NY 13803
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,440 sqft · built 1900 |
| Lot Size | 1.99 acres (86,684 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $213,000 (Nov 2025) |
| Tax Bill | $6,333 (2026) |
| Deeds & Mortgages | Apr 2025 Reverse Mortgage Nov 2022 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 113489 167.00-01-29.220 |
| Primary APN | 113489 167.00-01-29.220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,440 sqft Living Area |
| 1st Floor Area | 1,318 sqft |
| 2nd Floor Area | 748 sqft |
| Upper Floors Area | 374 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 86,684 sqft (1.99 acres) |
| Garage Type | Detached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 496 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 381 DIVERS XING |
|---|---|
| City | MARATHON |
| State | NY |
| Zip | 13803-3005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 29.220 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | MARATHON |
| Census Block Group | 3 |
| Census Block | 3045 |
| Census Tract | 971100 |
381 Divers Xing is owned by two individuals who bought it in November 2025.
Source: Cortland County and Marathon Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5 1/2 ACADEMY ST, MARATHON, NY 13803-3013 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Apr 1, 2025 | Deed of Trust, Mortgage · Reverse Mortgage CHEMUNG CANAL TRUST CO |
| Nov 2, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance CHEMUNG CANAL TRUST CO |
| Nov 21, 2025 | Warranty Deed, Transfer · Conventional Mortgage NBT BANK NATIONAL ASSOCIATION |
| Jul 2, 2019 | Warranty Deed, Transfer · Stand-Alone Refinance CFCU COMMUNITY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2025 · Amount on File |
| Deed Sale | Nov 21, 2025 · Amount on File |
| Deed Document Number | 20255506 |
| Prior Transfer Date | Apr 1, 2019 |
| Prior Transfer Doc | 0000002645 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 381 DIVERS XING, MARATHON, NY 13803-3005 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000001939 |
|---|---|
| Date | Apr 1, 2025 |
| Instrument | 2025-01939 |
| Name | CHEMUNG CANAL TRUST CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | May 1, 2065 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 381 DIVERS XING, MARATHON, NY 13803-3005 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000005860 |
|---|---|
| Date | Nov 2, 2022 |
| Instrument | 2022-05860 |
| Name | CHEMUNG CANAL TRUST CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Dec 1, 2062 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Nov 21, 2025 |
| Property Address | 381 DIVERS XING, MARATHON, NY 13803-3005 |
| Document Number | 0000005506 |
| Book / Page | 2025 / 5506 |
| Instrument Date | Nov 21, 2025 |
| Instrument | 2025-05506 |
| Transaction Type | Transfer |
| Record Updated | Dec 24, 2025 |
| 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 | 5 ACADEMY ST, MARATHON, NY 13803-3013 |
| Document Number | 0000005507 |
|---|---|
| Date | Nov 21, 2025 |
| Instrument | 2025-05507 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jul 2, 2019 |
| Property Address | 381 DIVERS XING, MARATHON, NY 13803-3005 |
| Document Number | 0000002645 |
| Instrument Date | Apr 1, 2019 |
| Instrument | 2019-02645 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 381 DIVERS XING, MARATHON, NY 13803-3005 |
| Document Number | 0000002646 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 2019-02646 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 381 Divers Xing was $6,333, up 79.7% from the year before.
Source: Cortland County and Marathon Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Marathon Town |
| Unified School District | Marathon Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,333.00 (+79.71%) | ||
| 2025 | $3,524.00 | $165,000 (-) Land $13,400 Building $151,600 | $246,269 (+5.97%) Land $20,000 Building $226,269 |
| 2024 | $3,524.00 (-0.98%) | $165,000 (-) Land $13,400 Building $151,600 | $232,394 (+3.52%) Land $18,873 Building $213,521 |
| 2023 | $3,559.00 | $165,000 Land $13,400 Building $151,600 | $224,490 Land $18,231 Building $206,259 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 381 Divers Xing 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 31 (1979–2005) |
| Claims Outside the SFHA | 4 of 31 |
| Most Recent Claim | Apr 2005 · Severe Storms And 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.
Wildfire risk around 381 Divers Xing 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 | 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 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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