77 Main St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 77 Main St, Cortland, NY 13045

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	6,840 sqft · built 1960
Lot Size	0.062 acres (2,700 sqft)
Owner	Company Name on File
Last Sale	$1,100,000 (Jun 2026)
Tax Bill	$23,254 (2026)
Deeds & Mortgages	Jun 2026 Sale May 2022 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`110200 86.58-04-14.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.58-04-14.000`
Alternative APN	`020008605800040140000000`

Interior

Units	9 Units
Stories	3 Stories
Building Area	6,840 sqft Gross Area
Basement Area	2,280 sqft
Unfinished Basement	2,280 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	2,700 sqft (0.062 acres)
Lot Dimensions	108 ft deep x 25 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	77 MAIN ST
City	CORTLAND
State	NY
Zip	13045-6626
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Block	4
Legal Lot Number	14.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2008
Census Tract	970600

Owner

77 Main St, a commercial property, is owned by a company that bought it in June 2026.

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

Owner of Record	Company Name on File
Mailing Address	1775 STATE ROUTE 91, FABIUS, NY 13063-9712
Owner Type	Company
Vesting	Limited Liability Partnership

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 11, 2026	Warranty Deed, Transfer STEWART TITLE
May 6, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU
Jul 16, 2018	Grant Deed, Transfer · Construction Mortgage PATCH OF LAND LNDG
Feb 13, 2018	Deed in Lieu of Foreclosure, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on File
Deed Sale	Jun 11, 2026 · Amount on File
Prior Sale	Jul 16, 2018 · Amount on File
Deed Document Number	20262553
Prior Transfer Date	Jan 20, 2010
Prior Transfer Doc	0000000785
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	Jun 11, 2026
Property Address	77 MAIN ST, CORTLAND, NY 13045-6626
Document Number	0000002553
Instrument Date	Jun 2, 2026
Instrument	20262553
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$444,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	1775 STATE ROUTE 91, FABIUS, NY 13063-9712

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	77 MAIN ST, CORTLAND, NY 13045-6626
Transaction Type	Mortgage
Record Updated	May 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002588
Date	May 6, 2022
Instrument	2022-02588

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CORTLAND NY
Recording Date	Jul 16, 2018
Property Address	77 MAIN ST, CORTLAND, NY 13045-6626
Document Number	0000004021
Instrument Date	May 21, 2018
Instrument	4021
Transaction Type	Transfer
Record Updated	Jan 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,700.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	119 S CAYUGA ST #200 ITHACA NY 148505580, 200, ITHACA, NY 14850-5580

Mortgage

Document Number	4022
Date	Jul 16, 2018
Instrument	4022

Lender

Name	PATCH OF LAND LNDG
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 15, 2019

Mortgage

Document Number	4024,
Date	Jul 16, 2018
Instrument	4024

Lender

Name	PATCH OF LAND LNDG
Address	SHERMAN OAKS, CA 91403

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2018: Deed in Lieu of Foreclosure, Transfer

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CORTLAND NY
Recording Date	Feb 13, 2018
Property Address	77 MAIN ST, CORTLAND, NY 13045-6626
Document Number	0000001323
Instrument Date	Feb 7, 2018
Instrument	1323
Transaction Type	Transfer
Record Updated	Mar 20, 2018

Transaction

Amount	Amount on Record
Tax	$1,600.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3301 COUNTRY CLUB RD ENDWELL NY 137603401, ENDWELL, NY 13760-3401

Tax Assessment & Valuation

The 2026 property tax bill for 77 Main St was $23,254, up 64.3% from the year before.

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	$23,254.00 (+64.29%)
2025	$14,154.00	$625,000 Land $35,600 Building $589,400	$644,330 Land $36,701 Building $607,629
2023	$10,176.00	$300,000 Land $26,000 Building $274,000	$410,959 Land $35,616 Building $375,343

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 77 Main St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 77 Main St 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	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 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20

May also be available: T-Mobile.

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