Cortland County and Cortland City property record for 4 Morningside Dr, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,480 sqft · built 1960 |
| Lot Size | 0.243 acres (10,625 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Dec 2018) |
| Tax Bill | $4,691 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2023 Refinance + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 77.77-02-11.000 |
| Primary APN | 110200 77.77-02-11.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 1,181 sqft |
| Basement Area | 299 sqft |
| Finished Basement | 299 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Split Level |
| Exterior Material | Wood |
| Lot Area | 10,625 sqft (0.243 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 276 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 168 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4 MORNINGSIDE DR |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | MORNINGSIDE DRIVE |
| Legal Block | 2 |
| Legal Lot Number | 11.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970500 |
Source: Cortland County and Cortland City assessment roll, as of March 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Apr 4, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Sep 14, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Feb 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Dec 11, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 11, 2018 · Amount on Record |
| Deed Sale | Dec 11, 2018 · Amount on Record |
| Prior Sale | Apr 6, 2016 · Amount on Record |
| Deed Document Number | 20187291 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Apr 20, 2026 |
| Property Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Document Number | 0000001623 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 20261623 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Document Number | 0000001623, |
|---|---|
| Date | Apr 20, 2026 |
| Instrument | 20261623 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000001251 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 2023-01251 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4987 |
|---|---|
| Date | Sep 14, 2021 |
| Instrument | 2021-04987 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Oct 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100904 |
|---|---|
| Date | Feb 19, 2021 |
| Instrument | 2021-00904 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Dec 11, 2018 |
| Property Address | 4 MORNINGSIDE DR, CORTLAND, NY 13045-1414 |
| Document Number | 0000007291 |
| Instrument Date | Dec 6, 2018 |
| Instrument | 7291 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $620.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3604 TERRACE RD CORTLAND NY 13045, CORTLAND, NY 13045 |
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 |
|---|---|---|---|
| 2025 | $4,691.00 (+4.48%) | $195,000 (+54.12%) Land $24,500 Building $170,500 | $201,031 (+15.99%) Land $25,258 Building $175,773 |
| 2023 | $4,490.00 | $126,525 Land $17,000 Building $109,525 | $173,322 Land $23,288 Building $150,034 |
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 | 3 in force |
| Nearby Flood Claims | 4 (1979–2005) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Apr 2005 · Severe Storms And Flooding |
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 | None beyond ember reach |
Source: FCC Broadband Data Collection, based on 112 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 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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