Cortland County and Cortland City property record for 57 Evergreen St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,224 sqft · built 1954 |
| Lot Size | 0.118 acres (5,180 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Dec 2024) |
| Tax Bill | $6,218 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Nov 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-01-09.000 |
| Primary APN | 110200 86.32-01-09.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,224 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 5,180 sqft (0.118 acres) |
| Lot Dimensions | 72 ft deep x 72 ft wide |
| Garage Type | Attached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 340 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 57 EVERGREEN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1128 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4006 |
| Census Tract | 970700 |
57 Evergreen St is owned by an individual who bought it in December 2024.
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 | Individual Name on File |
|---|---|
| Mailing Address | 1010 BELLEFLOWER DR, PORT ORANGE, FL 32127-4767 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Nov 6, 2025 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) LOANDEPOT.COM LLC |
| Jan 18, 2017 | Loan Modification, Mortgage · Conventional Mortgage ELMIRA SVGS BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 17, 2024 · Amount on File |
| Deed Sale | Dec 17, 2024 · Amount on File |
| Prior Sale | Jul 10, 2013 · Amount on File |
| Deed Document Number | 20245144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jul 14, 2026 |
| Property Address | 57 EVERGREEN ST, CORTLAND, NY 13045-1128 |
| Document Number | 0000003115 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 20263115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 57 EVERGREEN ST, CORTLAND, NY 13045-1128 |
| Document Number | 0000003115, |
|---|---|
| Date | Jul 14, 2026 |
| Instrument | 20263115 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 57 EVERGREEN ST, CORTLAND, NY 13045-1128 |
| Transaction Type | Mortgage |
| Record Updated | Dec 10, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000005245 |
|---|---|
| Date | Nov 6, 2025 |
| Instrument | 2025-05245 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Dec 1, 2045 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 57 EVERGREEN ST, CORTLAND, NY 13045-1128 |
| Document Number | 0000001017 |
| Instrument Date | Jan 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2017 |
| Name | Verified Name |
|---|---|
| Address | 57 EVERGREEN ST CORTLAND NY 130451128, CORTLAND, NY 13045-1128 |
| Document Number | 0000001017 |
|---|---|
| Date | Mar 1, 2017 |
| Instrument | 1017 |
| Name | ELMIRA SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | ELMIRA, NY 14901 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 57 Evergreen St was $6,218, up 58.4% 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 | $6,218.00 (+58.42%) | ||
| 2025 | $3,925.00 | $165,000 Land $12,500 Building $152,500 | $170,103 Land $12,887 Building $157,216 |
| 2023 | $3,191.00 Homeowner's exemption | $89,200 Land $8,800 Building $80,400 | $122,192 Land $12,055 Building $110,137 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 57 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.
The area around 57 Evergreen St has no burnable land within ember reach, so its wildfire risk is not rated.
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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