741 State Rte 221, Harford, NY 13784 Property Records

Cortland County and Harford Town property record for 741 State Rte 221, Harford, NY 13784

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,450 sqft · built 1995
Lot Size	0.877 acres (38,219 sqft)
Owner	2 Individual Names on File
Last Sale	$91,300 (Jan 2007)
Tax Bill	$5,759 (2026)
Deeds & Mortgages	Jun 2019 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112800 162.11-02-13.000`

Property Details

APN / Parcel Number

Primary APN	`112800 162.11-02-13.000`
Alternative APN	`280016201100020130000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,450 sqft Living Area
1st Floor Area	1,450 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	38,219 sqft (0.877 acres)
Lot Dimensions	225 ft deep x 169 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	296 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	741 STATE ROUTE 221
City	HARFORD
State	NY
Zip	13784-7713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	13.000
Jurisdiction	CORTLAND NY
Township / Civil Division	HARFORD
Census Block Group	3
Census Block	3062
Census Tract	971200

Owner

741 State Rte 221 is owned and occupied by two individuals who acquired it in December 2017.

Source: Cortland County and Harford Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	741 ROUTE 221, HARFORD, NY 13784
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
Jun 13, 2019	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Dec 11, 2017	Quit Claim Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2007 · Amount on File
Deed Sale	Jan 23, 2007 · Amount on File
Prior Sale	Oct 16, 2006 · Amount on File
Deed Book / Page	10572 / 46001
Last Transfer Date	Dec 1, 2017
Transfer Doc	0000006003
Record Updated	Oct 29, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	741 STATE ROUTE 221, HARFORD, NY 13784-7713
Document Number	0000002594
Instrument Date	Jun 13, 2019
Transaction Type	Mortgage
Record Updated	Jul 9, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	741 STATE ROUTE 221 HARFORD NY 137847713, HARFORD, NY 13784-7713

Mortgage

Document Number	0000002594
Date	Jun 28, 2019
Instrument	2594

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 27, 2034

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CORTLAND NY
Recording Date	Dec 11, 2017
Property Address	741 STATE ROUTE 221, HARFORD, NY 13784-7713
Document Number	0000006003
Instrument Date	Dec 1, 2017
Instrument	6003
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	CLOSING USA LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	741 STATE ROUTE 221 HARFORD NY 137847713, HARFORD, NY 13784-7713

Mortgage

Document Number	6004
Date	Dec 11, 2017
Instrument	6004

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	180 Months
Due	Dec 10, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 741 State Rte 221 was $5,759 with a homeowner's exemption, up 143.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Cortland County
County Subdivision	Harford Town
Unified School District	Dryden Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,759.00 (+143.61%) Homeowner's exemption
2025	$2,364.00	$130,000 Land $15,600 Building $114,400	$171,053 Land $20,526 Building $150,527
2023	$2,415.00 (+13.7%) Homeowner's exemption	$130,000 (-) Land $15,600 Building $114,400	$144,444 (+11.11%) Land $17,333 Building $127,111
2022	$2,124.00 Homeowner's exemption	$130,000 Land $15,600 Building $114,400	$130,000 Land $15,600 Building $114,400

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

Flood

FEMA maps place 741 State Rte 221 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (2011–2017)
Claims Outside the SFHA	2 of 7
Most Recent Claim	Jul 2017 · 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 741 State Rte 221 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 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Haefele Connect Fiber · Cable in parts of the area	2,000 / 2,000

May also be available: T-Mobile.

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