Cortland County and Cortland City property record for 51 Evergreen St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,443 sqft · built 1929 |
| Lot Size | 0.147 acres (6,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $72,000 (Jun 2017) |
| Tax Bill | $5,141 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-02-02.000 |
| Primary APN | 110200 86.32-02-02.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,443 sqft Living Area |
| 1st Floor Area | 962 sqft |
| Upper Floors Area | 481 sqft |
| Year Built | Built 1929 |
|---|---|
| Effective Year Built | Effective 1929 |
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,425 sqft (0.147 acres) |
| Lot Dimensions | 128 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 136 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 51 EVERGREEN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 2.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 970700 |
51 Evergreen St is owned and occupied by an individual who bought it in June 2017.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 51 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CELTIC BANK CORPORATION |
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage CELTIC BANK CORPORATION |
| Aug 27, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA |
| Jun 7, 2017 | Warranty Deed, Transfer · Conventional Mortgage PARAGON HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 2017 · Amount on File |
| Deed Sale | Jun 7, 2017 · Amount on File |
| Deed Document Number | 20172603 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 51 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000006026 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025-06026 |
| Name | CELTIC BANK CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 51 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000006027 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025-06027 |
| Name | CELTIC BANK CORPORATION |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 51 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4615 |
|---|---|
| Date | Aug 27, 2021 |
| Instrument | 2021-04615 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jun 7, 2017 |
| Property Address | 51 EVERGREEN ST, CORTLAND, NY 13045-1127 |
| Document Number | 0000002603 |
| Instrument Date | May 23, 2017 |
| Instrument | 2603 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $288.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11 ELLWOOD AVE CORTLAND NY 130451807, CORTLAND, NY 13045-1807 |
| Document Number | 2604 |
|---|---|
| Date | Jun 7, 2017 |
| Instrument | 2604 |
| Name | PARAGON HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | EAST SYRACUSE, NY 13057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 6, 2047 |
The 2026 property tax bill for 51 Evergreen St was $5,141, up 63.4% 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 | $5,141.00 (+63.41%) | ||
| 2025 | $3,146.00 | $135,000 Land $13,900 Building $121,100 | $139,175 Land $14,330 Building $124,845 |
| 2023 | $2,522.00 | $72,000 Land $9,700 Building $62,300 | $98,630 Land $13,288 Building $85,342 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 51 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 51 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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