Tompkins County and Groton Town property record for 445 Davis Rd, Cortland, NY 13045
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2 ba · 2,016 sqft · built 2005 |
| Lot Size | 28.6 acres (1,246,687 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,536 (2026) |
| Deeds & Mortgages | Jun 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 502889 29.-1-7.4 |
| Primary APN | 502889 29.-1-7.4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,016 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Upper Floors Area | 672 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,246,687 sqft (28.6 acres) |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 160 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 445 DAVIS RD |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-9218 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Block | 1 |
| Legal Lot Number | 7.004 |
| Jurisdiction | TOMPKINS NY |
| Township / Civil Division | GROTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 2100 |
445 Davis Rd, a residential property, is owned and occupied by two individuals who acquired it in July 2004.
Source: Tompkins County and Groton Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 445 DAVIS RD, CORTLAND, NY 13045-9218 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 8, 2004 |
| Transfer Doc | 0457104004 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TOMPKINS NY |
| Property Address | 445 DAVIS RD, CORTLAND, NY 13045-9218 |
| Document Number | 0000007883 |
| Instrument Date | Jun 14, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Title Company | PRECISION ABSTRACT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 445 DAVIS RD CORTLAND NY 130459218, CORTLAND, NY 13045-9218 |
| Document Number | 0000007883 |
|---|---|
| Date | Jul 2, 2019 |
| Instrument | 7883 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2049 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 445 Davis Rd was $8,536 with a homeowner's exemption.
Source: Tompkins County and Groton Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Tompkins County |
| County Subdivision | Groton Town |
| Unified School District | Dryden Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,536.00 Homeowner's exemption | ||
| 2025 | $315,000 Land $69,400 Building $245,600 | $315,000 Land $69,400 Building $245,600 | |
| 2023 | Homeowner's exemption Additional exemption filed | $274,000 Land $69,400 Building $204,600 | $274,000 Land $69,400 Building $204,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 Davis Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective June 17, 2025 · 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 | 2 in force |
| Nearby Flood Claims | 7 (1979–2019) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Nov 2019 · other causes |
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 445 Davis Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
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