Cortland County and Cortland City property record for 45 Evergreen St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,824 sqft · built 1860 |
| Lot Size | 0.192 acres (8,368 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $215,000 (Sep 2025) |
| Tax Bill | $7,408 (2026) |
| Deeds & Mortgages | Sep 2025 Sale Oct 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-02-24.000 |
| Primary APN | 110200 86.32-02-24.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,824 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| 2nd Floor Area | 720 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 8,368 sqft (0.192 acres) |
| Lot Dimensions | 78.5 ft deep x 106 ft wide |
| Garage Type | Detached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 105 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 45 EVERGREEN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | LANDS OF LOOMIS LIVING TRUST |
| Legal Block | 2 |
| Legal Lot Number | 24.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 970700 |
45 Evergreen St is owned by two individuals who bought it in September 2025.
Source: Cortland County and Cortland City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 178 YELLOW BARN RD, FREEVILLE, NY 13068-9678 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Sep 23, 2025 | Warranty Deed, Transfer |
| Oct 26, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage PARAGON HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 2025 · Amount on File |
| Deed Sale | Sep 23, 2025 · Amount on File |
| Prior Sale | Oct 26, 2020 · Amount on File |
| Deed Document Number | 20254573 |
| Prior Transfer Date | Mar 4, 2006 |
| Prior Transfer Doc | 1048071001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 23, 2025 |
| Property Address | 45 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Document Number | 0000004573 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 2025-04573 |
| Transaction Type | Transfer |
| Record Updated | Dec 2, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 178 YELLOW BARN RD, FREEVILLE, NY 13068-9678 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 45 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000005210 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 2020-05210 |
| Name | PARAGON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
The 2026 property tax bill for 45 Evergreen St was $7,408, up 61% from the year before.
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 | $7,408.00 (+61.04%) | ||
| 2025 | $4,600.00 | $195,000 (-) Land $15,800 Building $179,200 | $201,031 (+3.09%) Land $16,289 Building $184,742 |
| 2024 | $4,600.00 (-2.15%) | $195,000 (+44.44%) Land $15,800 Building $179,200 | $195,000 (+5.44%) Land $15,800 Building $179,200 |
| 2023 | $4,701.00 | $135,000 Land $11,000 Building $124,000 | $184,932 Land $15,069 Building $169,863 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Evergreen St in Zone X, an area of minimal flood risk, though there have been 82 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 | 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.
Wildfire risk around 45 Evergreen St 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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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