Cortland County and Cortland City property record for 54 W Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,518 sqft · built 1890 |
| Lot Size | 0.179 acres (7,838 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jul 2026) |
| Tax Bill | $4,189 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-02-12.000 |
| Primary APN | 110200 86.32-02-12.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,518 sqft Living Area |
| 1st Floor Area | 874 sqft |
| 2nd Floor Area | 644 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,838 sqft (0.179 acres) |
| Lot Dimensions | 156 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 560 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 54 W MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 12.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4005 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 31 HOLIDAY DR APT C125, C125, CORTLAND, NY 13045 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 28, 2026 · Amount on Record |
| Deed Sale | Jul 28, 2026 · Amount on Record |
| Deed Document Number | 20263370 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jul 28, 2026 |
| Property Address | 54 W MAIN ST, CORTLAND, NY 13045-1139 |
| Document Number | 0000003370 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 20263370 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000003371, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 20263371 |
| Name | BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $4,189.00 (+30.42%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,212.00 (+9.21%) | $145,000 (+60.93%) Land $15,500 Building $129,500 | $149,485 (+21.11%) Land $15,979 Building $133,506 |
| 2023 | $2,941.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $90,100 Land $10,900 Building $79,200 | $123,425 Land $14,932 Building $108,493 |
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 | 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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