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46 W Main St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 46 W Main St, Cortland, NY 13045

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,674 sqft · built 1902
Lot Size0.144 acres (6,300 sqft)
Owner2 Individual Names on Record
Last Sale$115,900 (Jun 2012)
Tax Bill$5,995 (2026)
Deeds & MortgagesAug 2022 Line of Credit
Sep 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN110200 86.32-02-36.000

Property Details

APN / Parcel Number

Primary APN110200 86.32-02-36.000
Alternative APN
  • 020008603200020360000000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area1,674 sqft Living Area
1st Floor Area932 sqft
2nd Floor Area742 sqft

Exterior

Year BuiltBuilt 1902
Effective Year BuiltEffective 1902
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area6,300 sqft (0.144 acres)
Lot Dimensions140 ft deep x 45 ft wide
Garage TypeDetached
Garage Area432 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area184 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address46 W MAIN ST
CityCORTLAND
StateNY
Zip13045-1138
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02 - SINGL
Legal Block2
Legal Lot Number36.000
JurisdictionCORTLAND NY
Township / Civil DivisionCORTLAND
Census Block Group4
Census Block4008
Census Tract970700

Owner

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 Record2 Individual Names on Record
Mailing Address46 W MAIN ST, CORTLAND, NY 13045-1138
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 15, 2022Deed of Trust, Mortgage · Line of Credit
CFCU COMMUNITY CU
Sep 8, 2017Deed of Trust, Mortgage · Conventional Mortgage
MISCELLANEOUS GOVT AGCY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 8, 2012 · Amount on Record
Deed SaleJun 8, 2012 · Amount on Record
Prior SaleJul 24, 2007 · Amount on Record
Deed Document Number20123215
Record UpdatedOct 29, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCORTLAND NY
Property Address46 W MAIN ST, CORTLAND, NY 13045-1138
Transaction TypeMortgage
Record UpdatedSep 6, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000004520
DateAug 15, 2022
Instrument2022-04520
Lender
NameCFCU COMMUNITY CU
TypeCredit Union
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueSep 1, 2032
Interest
Rate TypeAdjustable Rate

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCORTLAND NY
Property Address46 W MAIN ST, CORTLAND, NY 13045-1138
Document Number0000004485
Instrument DateSep 8, 2017
Transaction TypeMortgage
Record UpdatedAug 16, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address46 W MAIN ST CORTLAND NY 130451138, CORTLAND, NY 13045-1138

Mortgage

Document Number0000004485
DateAug 7, 2018
Instrument4485
Lender
NameMISCELLANEOUS GOVT AGCY
AddressCORTLAND, NY 13045
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Cortland County and Cortland City assessment roll, as of March 30, 2026

Property Jurisdictions

TypeName
StateNew York
CountyCortland County
MunicipalityCortland City
Unified School DistrictCortland City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,995.00 (+53.6%) Homeowner's exemption
2025$3,903.00 (+1.48%)$165,000 (+5%) Land $13,800 Building $151,200$170,103 (+12.89%) Land $14,227 Building $155,876
2023$3,846.00 Homeowner's exemption$110,000 Land $9,600 Building $100,400$150,685 Land $13,151 Building $137,534

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 11, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims82 (1981–2013)
Claims Outside the SFHA2 of 82
Most Recent ClaimAug 2013 · river or lake flooding
Claims by Event
  • Severe Storms And Flooding, Apr 2005 · 43 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemCORTLAND (C)
serves 20,095 people · EPA ID NY1101754
Water SourceGroundwater
Last State InspectionNov 2023
Lead5 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 628 locations within half a mile, as of December 31, 2025

ProviderMax 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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