Cortland County and Cortland City property record for 7 Delaware Ave, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,122 sqft · built 1950 |
| Lot Size | 0.144 acres (6,300 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,529 (2026) |
| Deeds & Mortgages | Jan 2020 Line of Credit Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.80-03-11.000 |
| Primary APN | 110200 86.80-03-11.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,122 sqft Living Area |
| 1st Floor Area | 1,122 sqft |
| Basement Area | 432 sqft |
| Finished Basement | 432 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,300 sqft (0.144 acres) |
| Lot Dimensions | 109 ft deep x 57.8 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 7 DELAWARE AVE |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-3339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 3 |
| Legal Lot Number | 11.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 970900 |
7 Delaware Ave is owned and occupied by two individuals.
Source: Cortland County and Cortland City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7 DELAWARE AVE, CORTLAND, NY 13045-3339 |
| 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 |
|---|---|
| Jan 21, 2020 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Jan 21, 2020 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 7 DELAWARE AVE, CORTLAND, NY 13045-3339 |
| Document Number | 0000000658 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 7 DELAWARE AVE CORTLAND NY 130453339, CORTLAND, NY 13045-3339 |
| Document Number | 0000000658 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 658 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 7 DELAWARE AVE, CORTLAND, NY 13045-3339 |
| Document Number | 0000000657 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2020 |
| Title Company | ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP |
| Name | Verified Name |
|---|---|
| Address | 7 DELAWARE AVE CORTLAND NY 130453339, CORTLAND, NY 13045-3339 |
| Document Number | 0000000657 |
|---|---|
| Date | Feb 14, 2020 |
| Instrument | 657 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 13, 2035 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 7 Delaware Ave was $4,529 with exemptions applied, up 30.9% 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 | $4,529.00 (+30.9%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,460.00 | $150,000 Land $13,800 Building $136,200 | $154,639 Land $14,227 Building $140,412 |
| 2023 | $3,382.00 Homeowner's exemption Senior Citizen's exemption | $98,400 Land $9,600 Building $88,800 | $134,795 Land $13,151 Building $121,644 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7 Delaware Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 11, 2016
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 7 Delaware Ave 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 93% of the US · lower than 89% 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 445 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 | 300 / 20 |
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