Cortland County and Harford Town property record for 384 Rte 38, Harford, NY 13784
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,496 sqft · built 1850 |
| Owner | Individual Name on File |
| Last Sale | $55,000 (Aug 1998) |
| Tax Bill | $1,536 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 112800 162.11-02-10.000 |
| Primary APN | 112800 162.11-02-10.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,496 sqft Living Area |
| 1st Floor Area | 1,040 sqft |
| 2nd Floor Area | 456 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Dimensions | 249 ft deep x 78 ft wide |
| Garage Type | Detached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 128 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 384 ROUTE 38 |
|---|---|
| City | HARFORD |
| State | NY |
| Zip | 13784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 2 |
| Legal Lot Number | 10.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | HARFORD |
| Census Block Group | 3 |
| Census Block | 3062 |
| Census Tract | 971200 |
Source: Cortland County and Harford Town records, as of July 27, 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 | 384 ROUTE 38, HARFORD, NY 13784 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 1998 · Amount on File |
| Deed Sale | Aug 31, 1998 · Amount on File |
| Deed Book / Page | 1998 / 4763 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jun 25, 2026 |
| Property Address | 384 ROUTE 38, HARFORD, NY 13784 |
| Document Number | 0000002757 |
| Instrument Date | Jun 13, 2026 |
| Instrument | 20262757 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 384 ROUTE 38, HARFORD, NY 13784 |
| Document Number | 0000002757, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 20262757 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.36% |
|---|---|
| Max Rate | -1% |
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 | $1,536.00 (-2.1%) | $84,500 (-) Land $9,200 Building $75,300 | $111,184 (+18.42%) Land $12,105 Building $99,079 |
| 2023 | $1,569.00 Homeowner's exemption | $84,500 Land $9,200 Building $75,300 | $93,889 Land $10,222 Building $83,667 |
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 74 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Haefele Connect Fiber · Cable in parts of the area | 2,000 / 2,000 |
May also be available: T-Mobile.
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