4 Main St, Mc Graw, NY 13101 Property Records

Cortland County and Cortlandville Town property record for 4 Main St, Mc Graw, NY 13101

Property Summary

Property Type	Restaurant
Details	2,296 sqft · built 1940
Lot Size	0.065 acres (2,846 sqft)
Owner	Company Name on Record
Tax Bill	$2,659 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`112203 88.19-01-12.000`

Property Details

APN / Parcel Number

Primary APN	`112203 88.19-01-12.000`
Alternative APN	`220308801900010120000000`

Interior

Stories	2 Stories
Building Area	2,296 sqft Gross Area
Basement Area	1,148 sqft
Unfinished Basement	1,148 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	2,846 sqft (0.065 acres)
Lot Dimensions	78.7 ft deep x 36 ft wide
Canopy	232 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	4 MAIN ST
City	MC GRAW
State	NY
Zip	13101-7701
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	05 - COMME
Legal Block	1
Legal Lot Number	12.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLANDVILLE
Census Block Group	2
Census Block	2006
Census Tract	970400

Owner

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	Company Name on Record
Mailing Address	PO BOX 229, MC GRAW, NY 13101-0229
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Oct 2, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Recording Date	Jun 16, 2026
Property Address	4 MAIN ST, MC GRAW, NY 13101-7701
Document Number	0000002624
Instrument Date	Jun 15, 2026
Instrument	20262624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1199 DAVINCI DR, CORTLAND, NY 13045-9140

Mortgage

Document Number	0000002624,
Date	Jun 16, 2026
Instrument	20262624

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.36%
Max Rate	-1%

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Oct 2, 2020
Property Address	4 MAIN ST, MC GRAW, NY 13101-7701
Document Number	0000004677
Instrument Date	Sep 11, 2020
Instrument	4677
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 229 MC GRAW NY 131010229, MC GRAW, NY 13101-0229

Tax Assessment & Valuation

Source: Cortland County and Cortlandville Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Cortlandville Town
Municipality	McGraw Village
Unified School District	McGraw Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,659.00 (+168.59%)
2025	$990.00 (+1.12%)	$50,800 (-) Land $6,100 Building $44,700	$80,635 (+11.11%) Land $9,683 Building $70,952
2023	$979.00	$50,800 Land $6,100 Building $44,700	$72,571 Land $8,714 Building $63,857

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

Flood

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	8 in force
Nearby Flood Claims	53 (1981–2021)
Claims Outside the SFHA	26 of 53
Most Recent Claim	Oct 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Jul 2013 · 25 claims

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MCGRAW VILLAGE serves 1,306 people · EPA ID NY1101758
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	12 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 271 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
Point Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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