Cortland County and Cortland City property record for 77 W Main St, #79, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,076 sqft · built 1950 |
| Owner | Individual Name on Record |
| Last Sale | $132,950 (Sep 2012) |
| Tax Bill | $5,727 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-04-01.000 |
| Primary APN | 110200 86.32-04-01.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,076 sqft Living Area |
| 1st Floor Area | 2,076 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Dimensions | 124 ft deep x 128 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 150 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 77 W MAIN ST, 79 |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1146 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 4 |
| Legal Lot Number | 1.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 970700 |
Source: Cortland County and Cortland City records, as of June 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 77 W MAIN ST, CORTLAND, NY 13045-1146 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 19, 2012 · Amount on Record |
| Deed Sale | Sep 19, 2012 · Amount on Record |
| Deed Document Number | 20125293 |
| Prior Transfer Date | Apr 11, 2008 |
| Prior Transfer Doc | 0020082111 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Jun 11, 2026 |
| Property Address | 77 W MAIN ST, 79, CORTLAND, NY 13045-1146 |
| Document Number | 0000002554 |
| Instrument Date | Jun 5, 2026 |
| Instrument | 20262554 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Address | 1775 STATE ROUTE 91, FABIUS, NY 13063-9712 |
| Document Number | 0000002554, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 20262554 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
Source: Cortland County and Cortland City assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cortland County |
| Municipality | Cortland City |
| Unified School District | Cortland City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,727.00 (+24.96%) | $225,000 (+70.45%) Land $22,400 Building $202,600 | $231,959 (+28.28%) Land $23,093 Building $208,866 |
| 2023 | $4,583.00 Homeowner's exemption | $132,000 Land $15,700 Building $116,300 | $180,822 Land $21,507 Building $159,315 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 628 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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