Cortland County and Cortland City property record for 49 W Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,387 sqft · built 1897 |
| Lot Size | 0.173 acres (7,548 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $114,000 (Oct 2017) |
| Tax Bill | $6,073 (2026) |
| Deeds & Mortgages | Sep 2021 Refinance Feb 2021 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-03-04.000 |
| Primary APN | 110200 86.32-03-04.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,387 sqft Living Area |
| 1st Floor Area | 772 sqft |
| Upper Floors Area | 615 sqft |
| Year Built | Built 1897 |
|---|---|
| Effective Year Built | Effective 1897 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,548 sqft (0.173 acres) |
| Lot Dimensions | 149 ft deep x 51 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 252 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 49 W MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1147 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 3 |
| Legal Lot Number | 4.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4007 |
| 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 | 49 W MAIN ST, CORTLAND, NY 13045-1147 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU |
| Feb 1, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU |
| Oct 13, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2017 · Amount on Record |
| Deed Sale | Oct 13, 2017 · Amount on Record |
| Deed Document Number | 20174999 |
| Prior Transfer Date | Mar 30, 2004 |
| Prior Transfer Doc | 0102267001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 49 W MAIN ST, CORTLAND, NY 13045-1147 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5025 |
|---|---|
| Date | Sep 16, 2021 |
| Instrument | 2021-05025 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 49 W MAIN ST, CORTLAND, NY 13045-1147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2021 |
| Name | Verified Name |
|---|
| Document Number | 202100481 |
|---|---|
| Date | Feb 1, 2021 |
| Instrument | 2021-00481 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Oct 13, 2017 |
| Property Address | 49 W MAIN ST, CORTLAND, NY 13045-1147 |
| Document Number | 0000004999 |
| Instrument Date | Sep 27, 2017 |
| Instrument | 2017-04999 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $456.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8 CORTLAND DR, 8, CHARLTON, NY 12019-2644 |
| Name | Verified Name |
|---|---|
| Address | 304 BOICEVILLE RD, BROOKTONDALE, NY 14817-9551 |
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 | $6,073.00 (+63.38%) | ||
| 2025 | $3,717.00 (+2.26%) | $160,000 (+52.38%) Land $15,300 Building $144,700 | $164,948 (+14.68%) Land $15,773 Building $149,175 |
| 2023 | $3,635.00 | $105,000 Land $10,600 Building $94,400 | $143,836 Land $14,521 Building $129,315 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 628 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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