Cortland County and Cortland City property record for 4 Circle Dr, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,917 sqft · built 1956 |
| Lot Size | 0.396 acres (17,250 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,147 (2026) |
| Deeds & Mortgages | Feb 2022 Sale |
| Flood Zone | Zone AE (high risk) |
| APN | 110200 86.47-03-22.000 |
| Primary APN | 110200 86.47-03-22.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,917 sqft Living Area |
| 1st Floor Area | 1,917 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 17,250 sqft (0.396 acres) |
| Lot Dimensions | 150 ft deep x 115 ft wide |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 300 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 CIRCLE DR |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1820 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 22.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 970700 |
4 Circle Dr is owned and occupied by two individuals who acquired it in February 2022.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4 CIRCLE DR, CORTLAND, NY 13045-1820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 7, 2022 |
| Transfer Doc | 0000000788 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Feb 11, 2022 |
| Property Address | 4 CIRCLE DR, CORTLAND, NY 13045-1820 |
| Document Number | 0000000788 |
| Instrument Date | Feb 7, 2022 |
| Instrument | 2022-00788 |
| Transaction Type | Transfer |
| Record Updated | Mar 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Living Trust |
| Address | 4 CIRCLE DR, CORTLAND, NY 13045-1820 |
The 2026 property tax bill for 4 Circle Dr was $8,147 with exemptions applied, up 42.9% from the year before.
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 | $8,147.00 (+42.88%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $5,702.00 | $245,000 Land $22,800 Building $222,200 | $252,577 Land $23,505 Building $229,072 |
| 2023 | $5,342.00 Homeowner's exemption Senior Citizen's exemption | $155,000 Land $16,000 Building $139,000 | $212,329 Land $21,918 Building $190,411 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4 Circle Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 1 (1981) |
| Most Recent Claim | Oct 1981 · 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.
Wildfire risk around 4 Circle Dr is low, with less than 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 628 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures