Cortland County and Cortland City property record for 40 W Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,033 sqft · built 1905 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $170,000 (Apr 2022) |
| Tax Bill | $6,954 (2026) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Sep 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-02-33.000 |
| Primary APN | 110200 86.32-02-33.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,033 sqft Living Area |
| 1st Floor Area | 980 sqft |
| 2nd Floor Area | 810 sqft |
| Attic | Attic |
| Attic Area | 243 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1905 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 140 ft deep x 45 ft wide |
| Garage Type | Detached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 788 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 W MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1138 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | LANDS OF STEPHEN R MCINTYRE |
| Legal Block | 2 |
| Legal Lot Number | 33.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4008 |
| 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 | 3085 S CORTLAND VIRGIL RD, CORTLAND, NY 13045-8844 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 6, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage TOMPKINS COMMUNITY BANK |
| Sep 30, 2019 | Deed of Trust, Mortgage HORIZONS FCU |
| Sep 30, 2019 | Warranty Deed, Transfer · Stand-Alone First Mortgage HORIZONS FCU |
| Mar 20, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2022 · Amount on Record |
| Deed Sale | Apr 6, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2019 · Amount on Record |
| Deed Document Number | 20221999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Apr 6, 2022 |
| Property Address | 40 W MAIN ST, CORTLAND, NY 13045-1138 |
| Document Number | 0000001999 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022-01999 |
| Transaction Type | Transfer |
| Record Updated | May 3, 2022 |
| 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 | 3085 S CORTLAND VIRGIL RD, CORTLAND, NY 13045-8844 |
| Document Number | 0000002000 |
|---|---|
| Date | Apr 6, 2022 |
| Instrument | 2022-02000 |
| Name | TOMPKINS COMMUNITY BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 40 W MAIN ST, CORTLAND, NY 13045-1138 |
| Document Number | 0000004127 |
| Instrument Date | Sep 30, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 40 W MAIN ST CORTLAND NY 130451138, CORTLAND, NY 13045-1138 |
| Document Number | 0000004127 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 4127 |
| Name | HORIZONS FCU |
|---|---|
| Address | BINGHAMTON, NY 13905 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 29, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 30, 2019 |
| Property Address | 40 W MAIN ST, CORTLAND, NY 13045-1138 |
| Document Number | 0000004126 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 2019-04126 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 WILLOW AVE # 2, 2, CORTLAND, NY 13045-1215 |
| Document Number | 0000004127 |
|---|---|
| Date | Sep 30, 2019 |
| Instrument | 2019-04127 |
| Name | HORIZONS FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Mar 20, 2017 |
| Property Address | 40 W MAIN ST, CORTLAND, NY 13045-1138 |
| Document Number | 0000001301 |
| Instrument Date | Mar 17, 2017 |
| Instrument | 1301 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2017 |
| Amount | Amount Recorded |
|---|---|
| Tax | $434.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 STEVENS RD MC LEAN NY 131027704, MC LEAN, NY 13102-7704 |
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 | $6,954.00 (+62.78%) | ||
| 2025 | $4,272.00 (+7.42%) | $185,000 (+60.87%) Land $13,800 Building $171,200 | $190,722 (+21.07%) Land $14,227 Building $176,495 |
| 2023 | $3,977.00 | $115,000 Land $9,600 Building $105,400 | $157,534 Land $13,151 Building $144,383 |
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 | 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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