4 Joy St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 4 Joy St, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,205 sqft · built 1948
Lot Size	0.177 acres (7,725 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,305 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`110200 86.32-03-12.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.32-03-12.000`
Alternative APN	`020008603200030120000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,205 sqft Living Area
1st Floor Area	1,180 sqft
2nd Floor Area	700 sqft
Upper Floors Area	325 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	7,725 sqft (0.177 acres)
Lot Dimensions	150 ft deep x 51.4 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	316 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4 JOY ST
City	CORTLAND
State	NY
Zip	13045-1724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	4
Census Block	4013
Census Tract	970700

Owner

Source: Cortland County and Cortland City records · APN 110200 86.32-03-12.000

Assessment roll updated March 30, 2026 · Last verified April 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 File
Mailing Address	977 STATE ROUTE 90, CORTLAND, NY 13045-8861
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jul 23, 2021
Property Address	4 JOY ST, CORTLAND, NY 13045-1724
Document Number	0000003914
Instrument Date	Jul 16, 2021
Instrument	2021-03914
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	977 STATE ROUTE 90, CORTLAND, NY 13045-8861

Mortgage

Document Number	0000003915
Date	Jul 23, 2021
Instrument	2021-03915

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Cortland County and Cortland City records · Assessment roll updated March 30, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
Municipality	Cortland City
Unified School District	Cortland City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,305.00 (-4.44%)	$185,000 (+42.31%) Land $15,400 Building $169,600	$190,722 (+7.1%) Land $15,876 Building $174,846
2023	$4,505.00	$130,000 Land $10,800 Building $119,200	$178,082 Land $14,795 Building $163,287

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of August 11, 2016 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	Severe Storms And Flooding, Apr 2005 · 43 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Telephone Corporation/North Penn Telephone Company Fiber	1,000 / 100
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 327 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CORTLAND (C) serves 20,095 people
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	5 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.