Cortland County and Cortlandville Town property record for 4428 Raphael Dr, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 6.5 ba · 5,083 sqft · built 1993 |
| Owner | Company Name on File |
| Last Sale | $315,000 (Jan 2011) |
| Tax Bill | $37,465 (2025) |
| Deeds & Mortgages | Jan 2025 Foreclosure Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 112289 76.00-06-11.000 |
| Primary APN | 112289 76.00-06-11.000 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 5,083 sqft Living Area |
| 1st Floor Area | 2,556 sqft |
| 2nd Floor Area | 1,484 sqft |
| Basement Area | 1,043 sqft |
| Finished Basement | 1,043 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Contemporary |
| Exterior Material | Stucco |
| Lot Dimensions | 198 ft deep x 343 ft wide |
| Garage Type | Attached |
| Garage Area | 792 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 624 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4428 RAPHAEL DR |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-9143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 6 |
| Legal Lot Number | 11.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLANDVILLE |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 971000 |
4428 Raphael Dr is owned by a company that bought it in January 2011.
Source: Cortland County and Cortlandville Town records, as of March 30, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 4428 RAPHAEL DR, CORTLAND, NY 13045-9143 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 10, 2025 | Foreclosure Foreclosure Auction |
| Dec 19, 2019 | Deed of Trust, Mortgage AMERICU CU |
| Aug 24, 2017 | Deed of Trust, Mortgage NBT BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2011 · Amount on File |
| Deed Sale | Jan 4, 2011 · Amount on File |
| Prior Sale | May 30, 2008 · Amount on File |
| Deed Document Number | 201169 |
| Record Updated | Jun 8, 2026 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jan 10, 2025 |
| Property Address | 4428 RAPHAEL DR, CORTLAND, NY 13045-9143 |
| Document Number | 0000000104 |
| Instrument Date | Jan 9, 2025 |
| Instrument | 2025-00104 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 30, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 338 FRENCHS BAY RD, TULLY, NY 13159-9440 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 4428 RAPHAEL DR, CORTLAND, NY 13045-9143 |
| Document Number | 0000006332 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 13, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4428 RAPHAEL DR CORTLAND NY 130459143, CORTLAND, NY 13045-9143 |
| Document Number | 0000006332 |
|---|---|
| Date | Dec 30, 2019 |
| Instrument | 6332 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Address | ROME, NY 13440 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Dec 29, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 4428 RAPHAEL DR, CORTLAND, NY 13045-9143 |
| Document Number | 0000004135 |
| Instrument Date | Aug 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY |
| Name | Verified Name |
|---|---|
| Address | 4428 RAPHAEL DR CORTLAND NY 130459143, CORTLAND, NY 13045-9143 |
| Document Number | 0000004135 |
|---|---|
| Date | Aug 28, 2017 |
| Instrument | 4135 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 27, 2047 |
The 2025 property tax bill for 4428 Raphael Dr was $37,465.
Source: Cortland County and Cortlandville Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Cortlandville Town |
| Unified School District | Homer Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $37,465.00 | $455,000 Land $39,500 Building $415,500 | $722,222 Land $62,698 Building $659,524 |
| 2023 | $35,410.00 | $810,000 Land $39,500 Building $770,500 | $1,157,143 Land $56,429 Building $1,100,714 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4428 Raphael Dr in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1981.
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 | 11 (1981–2013) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Jul 2013 · Severe Storms And 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.
Wildfire risk around 4428 Raphael 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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