Cortland County and Cortland City property record for 9 E Main St, Cortland, NY 13045
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,741 sqft · built 1910 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Jun 2004) |
| Tax Bill | $2,993 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 110200 86.42-02-05.000 |
| Primary APN | 110200 86.42-02-05.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,741 sqft Living Area |
| 1st Floor Area | 905 sqft |
| 2nd Floor Area | 630 sqft |
| Upper Floors Area | 206 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 100 ft deep x 48 ft wide |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 512 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 9 E MAIN ST |
|---|---|
| City | CORTLAND |
| State | NY |
| Zip | 13045-1232 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 03 - MULTI |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | CORTLAND NY |
| Township / Civil Division | CORTLAND |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 970500 |
Source: Cortland County and Cortland City records, as of June 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 9 E MAIN ST, CORTLAND, NY 13045-1232 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2023 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE |
| Dec 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 2004 · Amount on Record |
| Deed Sale | Jun 16, 2004 · Amount on Record |
| Prior Sale | Jul 13, 1999 · Amount on Record |
| Deed Book / Page | 10254 / 21001 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 9 E MAIN ST, CORTLAND, NY 13045-1232 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000004452 |
|---|---|
| Date | Aug 3, 2023 |
| Instrument | 2023-04452 |
| Name | ROCKET MORTGAGE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CORTLAND NY |
| Property Address | 9 E MAIN ST, CORTLAND, NY 13045-1232 |
| Document Number | 0000006061 |
| Instrument Date | Dec 5, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2018 |
| Name | Verified Name |
|---|---|
| Address | 9 E MAIN ST CORTLAND NY 130451232, CORTLAND, NY 13045-1232 |
| Document Number | 0000006061 |
|---|---|
| Date | Dec 14, 2017 |
| Instrument | 6061 |
| Name | PRIVATE INDIVIDUAL |
|---|---|
| Type | Mortgage Company |
| Address | ALBANY, NY 12207 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,993.00 (+12.6%) | $125,000 (+68.92%) Land $11,000 Building $114,000 | $128,866 (+27.12%) Land $11,340 Building $117,526 |
| 2023 | $2,658.00 Homeowner's exemption | $74,000 Land $8,500 Building $65,500 | $101,370 Land $11,644 Building $89,726 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 39 policies |
| Nearby Flood Policies | 39 in force |
| Nearby Flood Claims | 14 (1981–2011) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Mar 2011 · rainfall accumulation |
| 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 99.1% of the US · lower than 99.2% 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 680 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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