87 Main St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 87 Main St, Cortland, NY 13045

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	3,124 sqft · built 1967
Lot Size	0.05 acres (2,196 sqft)
Owner	Company Name on File
Last Sale	$172,000 (Mar 2020)
Tax Bill	$8,000 (2026)
Deeds & Mortgages	May 2024 Refinance May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`110200 86.58-04-11.000`

Property Details

APN / Parcel Number

Primary APN	`110200 86.58-04-11.000`
Alternative APN	`020008605800040110000000`

Interior

Stories	2 Stories
Building Area	3,124 sqft Gross Area
Basement Area	1,056 sqft
Unfinished Basement	1,056 sqft
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Lot Area	2,196 sqft (0.05 acres)
Lot Dimensions	108 ft deep x 20.3 ft wide
Canopy	114 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	87 MAIN ST
City	CORTLAND
State	NY
Zip	13045-2610
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Block	4
Legal Lot Number	11.000
Jurisdiction	CORTLAND NY
Township / Civil Division	CORTLAND
Census Block Group	2
Census Block	2008
Census Tract	970600

Owner

87 Main St, a commercial property, is owned by a company that bought it in March 2020.

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

Owner of Record	Company Name on File
Mailing Address	PO BOX 587, CORTLAND, NY 13045-0587
Owner Type	Company
Vesting	Company

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 1, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU
May 26, 2023	Quit Claim Deed, Transfer Quitclaim
May 26, 2023	Warranty Deed, Transfer
Aug 28, 2017	Loan Modification, Mortgage FIRST NAT'L BK
Aug 28, 2017	Deed of Trust, Mortgage FIRST NAT'L BK/DRYDEN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 27, 2020 · Amount on File
Deed Sale	Mar 27, 2020 · Amount on File
Prior Sale	Mar 10, 2008 · Amount on File
Deed Document Number	20201461
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	87 MAIN ST, CORTLAND, NY 13045-2610
Transaction Type	Mortgage
Record Updated	May 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001803
Date	May 1, 2024
Instrument	2024-01803

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CORTLAND NY
Recording Date	May 26, 2023
Property Address	87 MAIN ST, CORTLAND, NY 13045-2610
Document Number	0000002299
Instrument Date	May 19, 2023
Instrument	2023-02299
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 N MAIN ST, CORTLAND, NY 13045-1225

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CORTLAND NY
Recording Date	May 26, 2023
Property Address	87 MAIN ST, CORTLAND, NY 13045-2610
Document Number	0000002300
Instrument Date	May 15, 2023
Instrument	2023-02300
Transaction Type	Transfer
Record Updated	Jun 20, 2023

Transaction

Amount	Amount 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	111 N MAIN ST, CORTLAND, NY 13045-1225

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CORTLAND NY
Property Address	87 MAIN ST, CORTLAND, NY 13045-2610
Document Number	0000004183
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Sep 15, 2017
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3999 CRESTWOOD CT CORTLAND NY 13045, CORTLAND, NY 13045

Mortgage

Document Number	0000004183
Date	Aug 29, 2017
Instrument	4183

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	DRYDEN, NY 13053

Agreement

Amount	Amount on Record

Interest

Rate	6.06%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CORTLAND NY
Property Address	87 MAIN ST, CORTLAND, NY 13045-2610
Document Number	0000004182
Instrument Date	Aug 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 323 CORTLAND NY 130450323, CORTLAND, NY 13045-0323

Mortgage

Document Number	0000004182
Date	Aug 29, 2017
Instrument	4182

Lender

Name	FIRST NAT'L BK/DRYDEN
Type	Bank
Address	DRYDEN, NY 13053

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 87 Main St was $8,000, up 72.1% 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	$8,000.00 (+72.12%)
2025	$4,648.00	$205,000 Land $27,900 Building $177,100	$211,340 Land $28,763 Building $182,577
2023	$4,287.00	$126,000 Land $24,300 Building $101,700	$172,603 Land $33,288 Building $139,315

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

Flood

FEMA maps place 87 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 87 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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