7 Ridgeview Ave, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 7 Ridgeview Ave, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,220 sqft · built 1988
Lot Size	0.405 acres (17,667 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,000 (Oct 2025)
Tax Bill	$11,140 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`110200 86.31-04-02.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.31-04-02.000`
Alternative APN	`020008603100040020000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,220 sqft Living Area
1st Floor Area	1,166 sqft
2nd Floor Area	1,054 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	17,667 sqft (0.405 acres)
Lot Dimensions	151 ft deep x 117 ft wide
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	7 RIDGEVIEW AVE
City	CORTLAND
State	NY
Zip	13045-1025
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	4
Legal Lot Number	2.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2007
Census Tract	970700

Owner

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	2 Individual Names on Record
Mailing Address	66 WHEELER AVE, CORTLAND, NY 13045-1145
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 9, 2025 · Amount on Record
Deed Sale	Oct 9, 2025 · Amount on Record
Deed Document Number	20254835
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Oct 9, 2025
Property Address	7 RIDGEVIEW AVE, CORTLAND, NY 13045-1025
Document Number	0000004835
Instrument Date	Oct 8, 2025
Instrument	2025-04835
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	66 WHEELER AVE, CORTLAND, NY 13045-1145
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004836
Date	Oct 9, 2025
Instrument	2025-04836

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

Source: Cortland County and Cortland City assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
Municipality	Cortland City
Unified School District	Cortland City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,140.00 (+64.65%)
2025	$6,766.00	$295,000 (-) Land $23,000 Building $272,000	$304,124 (+3.09%) Land $23,711 Building $280,413
2024	$6,766.00 (-6.52%)	$295,000 (+39.88%) Land $23,000 Building $272,000	$295,000 (+2.11%) Land $23,000 Building $272,000
2023	$7,238.00	$210,900 Land $16,100 Building $194,800	$288,904 Land $22,055 Building $266,849

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	33 (1996–2013)
Claims Outside the SFHA	2 of 33
Most Recent Claim	Aug 2013 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Apr 2005 · 19 claims

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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