7174 Creech Rd, Cortland, NY 13045 Property Records

Cayuga County and Summerhill Town property record for 7174 Creech Rd, Cortland, NY 13045

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,720 sqft · built 2001
Lot Size	8.67 acres (377,665 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2022)
Tax Bill	$9,386 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055800 244.00-1-13.1`

Property Details

APN / Parcel Number

Primary APN	`055800 244.00-1-13.1`
Alternative APNs	`580024400000010130010000` `20027190`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,720 sqft Living Area
1st Floor Area	860 sqft
2nd Floor Area	860 sqft
Game Room	Game Room

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	377,665 sqft (8.67 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	20027190
Street Address	7174 CREECH RD
City	CORTLAND
State	NY
Zip	13045-8901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	200
Legal Description	SM 96-62 LOT 2 P/O 244.00-1-13
Legal Subdivision	LANDS OF ELIZABETH J BUCHANAN
Legal Block	1
Legal Lot Number	13.001
Jurisdiction	CAYUGA NY
Township / Civil Division	SUMMERHILL
Census Block Group	2
Census Block	2035
Census Tract	40900

Owner

7174 Creech Rd is owned and occupied by two individuals who bought it in May 2022.

Source: Cayuga County and Summerhill Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7174 CREECH RD, CORTLAND, NY 13045-8901
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.

Deeds, Mortgages & Sale History

Date	Document
May 16, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CFCU COMMUNITY CU
Aug 31, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage TOMPKINS TRUST CO
Jun 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ELMIRA SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2022 · Amount on File
Deed Sale	May 16, 2022 · Amount on File
Prior Sale	Aug 31, 2021 · Amount on File
Deed Document Number	2022213807
Deed Book / Page	4222 / 227
Prior Transfer Date	Mar 22, 2006
Prior Transfer Doc	0012540019
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	May 16, 2022
Property Address	7174 CREECH RD, CORTLAND, NY 13045-8901
Document Number	004222/227
Book / Page	4222 / 227
Instrument Date	May 12, 2022
Instrument	2022-213807
Transaction Type	Transfer
Record Updated	Jun 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	11 NIXON AVE, HOMER, NY 13077-1510

Mortgage

Document Number	2022213808
Date	May 16, 2022
Instrument	2022-213808

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Aug 31, 2021
Property Address	7174 CREECH RD, CORTLAND, NY 13045-8901
Document Number	0040960145
Book / Page	4096 / 145
Instrument Date	Aug 30, 2021
Instrument	2021-207194
Transaction Type	Transfer
Record Updated	Sep 21, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10 MELVIN AVE, CORTLAND, NY 13045-1816

Mortgage

Document Number	2021207195
Date	Aug 31, 2021
Instrument	2021-207195

Lender

Name	TOMPKINS TRUST CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	7174 CREECH RD, CORTLAND, NY 13045-8901
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037360066
Date	Jun 19, 2019
Book Page	3736/66
Instrument	2019-187957

Lender

Name	ELMIRA SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 7174 Creech Rd was $9,386, up 146.2% from the year before.

Source: Cayuga County and Summerhill Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Summerhill Town
Unified School District	Homer Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,386.00 (+146.22%)
2025	$3,812.00 (+2.92%)	$347,500 Land $50,800 Building $296,700	$394,886 Land $57,727 Building $337,159
2024	$3,704.00 (-12%)
2023	$4,209.00	$335,500 Land $50,800 Building $284,700	$335,500 Land $50,800 Building $284,700

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

Flood

FEMA maps place 7174 Creech Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · 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	4 (1981–2004)
Most Recent Claim	Apr 2004 · rainfall accumulation

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

Wildfire risk around 7174 Creech Rd is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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