892 Sprouls Rd, Cortland, NY 13045 Property Records

Cayuga County and Summerhill Town property record for 892 Sprouls Rd, Cortland, NY 13045

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,800 sqft · built 2002
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Oct 2021)
Tax Bill	$2,005 (2025)
Deeds & Mortgages	Apr 2019 Refinance Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`055800 234.00-1-33.62`

Property Details

APN / Parcel Number

Primary APN	`055800 234.00-1-33.62`
Alternative APN	`580023400000010330620000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,800 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	435,600 sqft (10 acres)
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	892 SPROULS RD
City	CORTLAND
State	NY
Zip	13045-8915
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	200
Legal Description	SM 94-22 LOT 2 P/O 234-1-33.11 NOW 33.6
Legal Block	1
Legal Lot Number	33.062
Jurisdiction	CAYUGA NY
Township / Civil Division	SUMMERHILL
Census Block Group	2
Census Block	2032
Census Tract	40900

Owner

Source: Cayuga County and Summerhill Town records, as of May 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	892 SPROULS RD, CORTLAND, NY 13045-8915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU
Oct 18, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage CFCU COMMUNITY CU
Sep 28, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Sep 28, 2020 · Amount on Record
Deed Document Number	2021208493
Deed Book / Page	4122 / 21
Record Updated	Jun 8, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	892 SPROULS RD, CORTLAND, NY 13045-8915
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003711/204
Date	Apr 16, 2019
Book Page	3711/204
Instrument	2019-186484

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2029

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Oct 18, 2021
Property Address	892 SPROULS RD, CORTLAND, NY 13045-8915
Document Number	0004122/21
Book / Page	4122 / 21
Instrument Date	Oct 13, 2021
Instrument	2021-208493
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2045 E RIVER RD, CORTLAND, NY 13045-9752

Mortgage

Document Number	2021208494
Date	Oct 18, 2021
Instrument	2021-208494

Lender

Name	CFCU COMMUNITY CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Sep 28, 2020
Property Address	892 SPROULS RD, CORTLAND, NY 13045-8915
Document Number	0003929/81
Book / Page	3929 / 81
Instrument Date	Sep 18, 2020
Instrument	2020-198289
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1365 CHIPMAN CORNERS RD, GROTON, NY 13073

Tax Assessment & Valuation

Source: Cayuga County and Summerhill Town assessment roll, as of May 1, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,005.00 (-0.64%)	$182,800 (-) Land $55,500 Building $127,300	$207,727 (+13.64%) Land $63,068 Building $144,659
2024	$2,018.00 (-36.46%)
2023	$3,176.00	$182,800 Land $55,500 Building $127,300	$182,800 Land $55,500 Building $127,300

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 April 30, 2025 · 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
Nearby Flood Claims	4 (1981–2004)
Most Recent Claim	Apr 2004 · 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

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

Provider	Max Down / Up (Mbps)
Verizon Fiber	980 / 880
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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