Cortland County and Harford Town property record for 495 Rte 38, Harford, NY 13784
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,366 sqft · built 1870 |
| Lot Size | 1.02 acres (44,431 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,000 (Sep 2026) |
| Tax Bill | $1,271 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 112800 162.00-01-03.000 |
| Primary APN | 112800 162.00-01-03.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,366 sqft Living Area |
| 1st Floor Area | 996 sqft |
| Upper Floors Area | 370 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 44,431 sqft (1.02 acres) |
| Garage Type | Attached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 736 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 495 ROUTE 38 |
|---|---|
| City | HARFORD |
| State | NY |
| Zip | 13784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | HARFORD |
| Census Block Group | 3 |
| Census Block | 3071 |
| Census Tract | 971200 |
Source: Cortland County and Harford Town records, as of October 6, 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 | PO BOX 159, LOCKE, NY 13092-0159 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2026 · Amount on File |
| Deed Sale | Sep 21, 2026 · Amount on File |
| Deed Document Number | 20264241 |
| Prior Transfer Date | Jun 20, 2025 |
| Prior Transfer Doc | 0000003105 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 21, 2026 |
| Property Address | 495 ROUTE 38, HARFORD, NY 13784 |
| Document Number | 0000004241 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 20264241 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $104,232.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Document Number | 0000004242, |
|---|---|
| Date | Sep 21, 2026 |
| Instrument | 20264242 |
| Name | FIRST NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
Source: Cortland County and Harford Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| County Subdivision | Harford Town |
| Unified School District | Dryden Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,271.00 (+1.19%) | $91,500 (-) Land $15,000 Building $76,500 | $120,395 (+18.42%) Land $19,737 Building $100,658 |
| 2023 | $1,256.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption | $91,500 Land $15,000 Building $76,500 | $101,667 Land $16,667 Building $85,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 7 (2011–2017) |
| Claims Outside the SFHA | 2 of 7 |
| Most Recent Claim | Jul 2017 · rainfall accumulation |
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 | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Haefele Connect Fiber | 2,000 / 2,000 |
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