7446 Cold Brook Rd, Homer, NY 13077 Property Records

Cortland County and Scott Town property record for 7446 Cold Brook Rd, Homer, NY 13077

Property Summary

Property Type	Rural Home
Details	4 bd · 1.5 ba · 2,004 sqft · built 1880
Lot Size	16.9 acres (737,035 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,500 (Nov 2023)
Tax Bill	$5,929 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Jun 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`113800 6.00-02-01.100`

Property Details

APN / Parcel Number

Primary APN	`113800 6.00-02-01.100`
Alternative APN	`380000600000020011000000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,004 sqft Living Area
1st Floor Area	1,104 sqft
Upper Floors Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	737,035 sqft (16.9 acres)
Garage Type	Attached
Garage Area	1,196 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	7446 COLD BROOK RD
City	HOMER
State	NY
Zip	13077-9774
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	04 - FARM
Legal Subdivision	LANDS OF JANE M PERRY
Legal Block	2
Legal Lot Number	1.100
Jurisdiction	CORTLAND NY
Township / Civil Division	SCOTT
Census Block Group	1
Census Block	1002
Census Tract	970201

Owner

Source: Cortland County and Scott Town 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	7446 COLD BROOK RD, HOMER, NY 13077-9774
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2025	Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION
Jun 7, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION
Nov 27, 2023	Warranty Deed, Transfer · VA Mortgage AMERICU CU
Jul 3, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2023 · Amount on Record
Deed Sale	Nov 27, 2023 · Amount on Record
Prior Sale	Jul 3, 2019 · Amount on Record
Deed Document Number	20237250
Last Transfer Date	Jan 31, 2025
Transfer Doc	0000001120
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	7446 COLD BROOK RD, HOMER, NY 13077-9774
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005678
Date	Dec 8, 2025
Instrument	2025-05678

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jun 7, 2024
Property Address	7446 COLD BROOK RD, HOMER, NY 13077-9774
Document Number	0000002375
Instrument Date	May 31, 2024
Instrument	2024-02375
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
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
Address	97 MARYBELLE RD, TULLY, NY 13159-3209
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002376
Date	Jun 7, 2024
Instrument	2024-02376

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2054

Mortgage

Document Number	0000002377
Date	Jun 7, 2024
Instrument	2024-02377

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Nov 27, 2023
Property Address	7446 COLD BROOK RD, HOMER, NY 13077-9774
Document Number	0000007250
Instrument Date	Nov 14, 2023
Instrument	2023-07250
Transaction Type	Transfer
Record Updated	Dec 19, 2023

Transaction

Amount	Amount Recorded
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
Address	224 GROTON RD, FREEVILLE, NY 13068-9712

Mortgage

Document Number	0000007251
Date	Nov 27, 2023
Instrument	2023-07251

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jul 3, 2019
Property Address	7446 COLD BROOK RD, HOMER, NY 13077-9774
Document Number	0000002688
Instrument Date	Jun 24, 2019
Instrument	2688
Transaction Type	Transfer
Record Updated	Jul 15, 2019
Title Company	BANKERS TITLE CORPORATION, BANKERS TITLE & ABSTRACT INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$604.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 BEECHWOOD AVE LIVERPOOL NY 130886402, LIVERPOOL, NY 13088-6402

Mortgage

Document Number	2689
Date	Jul 3, 2019
Instrument	2689

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,929.00 (+100.37%)
2025	$2,959.00 (+23.86%)	$133,758 (-) Land $41,700 Building $92,058	$215,739 (+8.06%) Land $67,258 Building $148,481
2023	$2,389.00 (+4.46%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,758 (-) Land $41,700 Building $92,058	$199,639 (+16.42%) Land $62,239 Building $137,400
2022	$2,287.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$133,758 Land $41,700 Building $92,058	$171,485 Land $53,462 Building $118,023

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
Nearby Flood Policies	3 in force

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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Point Broadband Fiber	1,000 / 1,000
Verizon Fiber	980 / 880

Cell Coverage

No cell data coverage reported

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