Cortland County and Cortland City property record for 39 W Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,648 sqft · built 1912 |
| Lot Size | 0.143 acres (6,250 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $139,500 (Jul 2021) |
| Tax Bill | $6,300 (2026) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-03-09.000 |
| Primary APN | 110200 86.32-03-09.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,648 sqft Living Area |
| 1st Floor Area | 920 sqft |
| 2nd Floor Area | 728 sqft |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 6,250 sqft (0.143 acres) |
| Lot Dimensions | 126 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 261 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 39 W MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 9.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 970700 |
Source: Cortland County and Cortland City 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 | 39 W MAIN ST, CORTLAND, NY 13045-1133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 2, 2021 · Amount on Record |
| Deed Sale | Jul 2, 2021 · Amount on Record |
| Deed Document Number | 20213580 |
| Prior Transfer Date | Oct 9, 2009 |
| Prior Transfer Doc | 0020101652 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jul 2, 2021 |
| Property Address | 39 W MAIN ST, CORTLAND, NY 13045-1133 |
| Document Number | 3580 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021-03580 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 | 722 SALT RD, GROTON, NY 13073-9408 |
| Document Number | 3581 |
|---|---|
| Date | Jul 2, 2021 |
| Instrument | 2021-03581 |
| Name | TOMPKINS TRUST CO |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Cortland County and Cortland City assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| Municipality | Cortland City |
| Unified School District | Cortland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,300.00 (+62.96%) | ||
| 2025 | $3,866.00 (+0.91%) | $165,000 (+5%) Land $13,800 Building $151,200 | $170,103 (+12.89%) Land $14,227 Building $155,876 |
| 2023 | $3,831.00 | $110,000 Land $9,600 Building $100,400 | $150,685 Land $13,151 Building $137,534 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 82 (1981–2013) |
| Claims Outside the SFHA | 2 of 82 |
| Most Recent Claim | Aug 2013 · river or lake 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 | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CORTLAND (C) serves 20,095 people · EPA ID NY1101754 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 5 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 327 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 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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