Cortland County and Cortland City property record for 9 Chestnut St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,936 sqft · built 1938 |
| Lot Size | 0.169 acres (7,397 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Dec 2022) |
| Tax Bill | $8,520 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.32-03-20.000 |
| Primary APN | 110200 86.32-03-20.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,936 sqft Living Area |
| 1st Floor Area | 968 sqft |
| 2nd Floor Area | 968 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,397 sqft (0.169 acres) |
| Lot Dimensions | 142 ft deep x 51.9 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 360 sqft |
| Heating System | Electric |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9 CHESTNUT ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1719 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Subdivision | BENEDICT BUSHBY & RICHARDSON TRACT |
| Legal Block | 3 |
| Legal Lot Number | 20.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 970700 |
9 Chestnut St is owned and occupied by an individual who bought it in December 2022.
Source: Cortland County and Cortland City records, as of September 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 9 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION |
| Sep 12, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 5, 2021 | Warranty Deed, Transfer · Line of Credit PREMIUM MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 27, 2022 · Amount on File |
| Deed Sale | Dec 27, 2022 · Amount on File |
| Prior Sale | Sep 12, 2022 · Amount on File |
| Deed Document Number | 20227244 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 10, 2026 |
| Property Address | 9 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 0000004080 |
| Instrument Date | Aug 31, 2026 |
| Instrument | 20264080 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 9 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 0000004080, |
|---|---|
| Date | Sep 10, 2026 |
| Instrument | 20264080 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Sep 12, 2022 |
| Property Address | 9 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 0000004954 |
| Instrument Date | Sep 9, 2022 |
| Instrument | 2022-04954 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 EVERGREEN ST, CORTLAND, NY 13045-4550 |
| Document Number | 0000004955 |
|---|---|
| Date | Sep 12, 2022 |
| Instrument | 2022-04955 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CORTLAND NY |
| Recording Date | Mar 5, 2021 |
| Property Address | 9 CHESTNUT ST, CORTLAND, NY 13045-1719 |
| Document Number | 0000001228 |
| Instrument Date | Oct 28, 2020 |
| Instrument | 2021-01228 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | MISC COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1703 STATE ROUTE 13 # 2, 2, CORTLAND, NY 13045-9617 |
| Document Number | 0000001229 |
|---|---|
| Date | Mar 5, 2021 |
| Instrument | 2021-01229 |
| Name | PREMIUM MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 9 Chestnut St was $8,520, up 63.4% from the year before.
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 |
|---|---|---|---|
| 2026 | $8,520.00 (+63.44%) | ||
| 2025 | $5,213.00 | $225,000 Land $14,800 Building $210,200 | $231,959 Land $15,258 Building $216,701 |
| 2023 | $4,656.00 | $135,000 Land $10,300 Building $124,700 | $184,932 Land $14,110 Building $170,822 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 9 Chestnut St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 82 (1981–2013) |
| Claims Outside the SFHA | 2 of 82 |
| 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.
Wildfire risk around 9 Chestnut St is low, with less than 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 96% of the US · lower than 95% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures