Cortland County and Cortlandville Town property record for 381 Sears Rd, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,962 sqft · built 1986 |
| Lot Size | 5.1 acres (222,156 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $6,468 (2026) |
| Deeds & Mortgages | Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 112289 85.00-02-02.200 |
| Primary APN | 112289 85.00-02-02.200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,962 sqft Living Area |
| 1st Floor Area | 1,602 sqft |
| Basement Area | 360 sqft |
| Finished Basement | 360 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 222,156 sqft (5.1 acres) |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 240 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 381 SEARS RD |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-9114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 04 - FARM |
| Legal Block | 2 |
| Legal Lot Number | 2.200 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLANDVILLE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 971000 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 381 SEARS RD, CORTLAND, NY 13045-9114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 381 SEARS RD, CORTLAND, NY 13045-9114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2024 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|
| Document Number | 0000000563 |
|---|---|
| Date | Feb 7, 2024 |
| Instrument | 2024-00563 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Cortland County and Cortlandville Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Cortlandville Town |
| Unified School District | Homer Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,468.00 (+106.91%) Homeowner's exemption | ||
| 2025 | $3,126.00 (+1.96%) | $142,400 (-) Land $24,200 Building $118,200 | $226,032 (+11.11%) Land $38,413 Building $187,619 |
| 2023 | $3,066.00 Homeowner's exemption | $142,400 Land $24,200 Building $118,200 | $203,429 Land $34,572 Building $168,857 |
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 | 3 in force |
| Nearby Flood Claims | 11 (1981–2013) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Jul 2013 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fiber | 980 / 880 |
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