Cortland County and Cortland City property record for 5 Harmony Cir, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,600 sqft · built 1989 |
| Lot Size | 0.216 acres (9,415 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $132,000 (Dec 2016) |
| Tax Bill | $7,314 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.24-05-10.000 |
| Primary APN | 110200 86.24-05-10.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| Basement Area | 500 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,415 sqft (0.216 acres) |
| Lot Dimensions | 115 ft deep x 81.9 ft wide |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 340 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 5 HARMONY CIR |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1055 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | SNYDER TRACT |
| Legal Block | 5 |
| Legal Lot Number | 10.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 970700 |
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 Record |
|---|---|
| Mailing Address | 5 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CFCU CMNTY CU |
| Jul 9, 2020 | Loan Modification, Mortgage · Conventional with PMI CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 2016 · Amount on Record |
| Deed Sale | Dec 14, 2016 · Amount on Record |
| Prior Sale | Sep 23, 2011 · Amount on Record |
| Deed Document Number | 20166700 |
| Prior Transfer Date | Sep 12, 2011 |
| Prior Transfer Doc | 0000004650 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 5 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000003249 |
| Instrument Date | Jul 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5 HARMONY CIR CORTLAND NY 130451055, CORTLAND, NY 13045-1055 |
| Document Number | 0000003249 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 3249 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 20, 2040 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 5 HARMONY CIR, CORTLAND, NY 13045-1055 |
| Document Number | 0000003250 |
| Instrument Date | Jul 9, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5 HARMONY CIR CORTLAND NY 130451055, CORTLAND, NY 13045-1055 |
| Document Number | 0000003250 |
|---|---|
| Date | Jul 21, 2020 |
| Instrument | 3250 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 20, 2040 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
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 | $7,314.00 (+62.93%) | ||
| 2025 | $4,489.00 (+5.9%) | $193,000 (+58.2%) Land $17,300 Building $175,700 | $198,969 (+19.06%) Land $17,835 Building $181,134 |
| 2023 | $4,239.00 | $122,000 Land $12,100 Building $109,900 | $167,123 Land $16,575 Building $150,548 |
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 |
|---|---|
| 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 | 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 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures