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95 Pendleton St, Cortland, NY 13045 Property Records

Cortland County and Cortland City property record for 95 Pendleton St, Cortland, NY 13045 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,848 sqft · built 1903
Lot Size0.126 acres (5,497 sqft)
Owner2 Individual Names on File
Last Sale$120,000 (Jan 2018)
Tax Bill$3,519 (2025)
Deeds & MortgagesJan 2018 Mortgage
Jan 2021 Loan Modification
Flood ZoneZone X (minimal risk)
APN110200 86.68-01-09.000

Property Details

APN / Parcel Number

Primary APN110200 86.68-01-09.000
Alternative APN
  • 020008606800010090000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,848 sqft Living Area
1st Floor Area1,184 sqft
2nd Floor Area664 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1903
Effective Year BuiltEffective 1903
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area5,497 sqft (0.126 acres)
Lot Dimensions122 ft deep x 46 ft wide
Garage TypeDetached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchPatio
Porch Area270 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address95 PENDLETON ST
CityCORTLAND
StateNY
Zip13045-3023
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number9.000
JurisdictionCORTLAND NY
Township / Civil DivisionCORTLAND
Census Block Group3
Census Block3000
Census Tract970600

Owner

Source: Cortland County and Cortland City records · APN 110200 86.68-01-09.000

Assessment roll updated March 30, 2026 · Last verified July 2026

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

Owner of Record2 Individual Names on File
Mailing Address95 PENDLETON ST, CORTLAND, NY 13045-3023
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 23, 2018Deed of Trust, Mortgage
CFCU COMMUNITY CREDIT UNION
Jan 04, 2021Loan Modification, Mortgage · Conventional Mortgage
CFCU CMNTY CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 23, 2018 · Amount on Record
Deed SaleJan 23, 2018 · Amount on Record
Deed Document Number2018969
Record UpdatedSep 20, 2026

January 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCORTLAND NY
Property Address95 PENDLETON ST, CORTLAND, NY 13045-3023
Transaction TypeMortgage
Record UpdatedJul 07, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000970
DateJan 23, 2018
Instrument2018-00970
Lender
NameCFCU COMMUNITY CREDIT UNION
TypeCredit Union
Agreement
AmountAmount Recorded
Term360 Months
DueJan 01, 2048

January 2021: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionCORTLAND NY
Property Address95 PENDLETON ST, CORTLAND, NY 13045-3023
Document Number0000000145
Instrument DateJan 04, 2021
Transaction TypeMortgage
Record UpdatedJan 22, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address95 PENDLETON ST CORTLAND NY 130453023, CORTLAND, NY 13045-3023

Mortgage

Document Number0000000145
DateJan 12, 2021
Instrument145
Lender
NameCFCU CMNTY CU
TypeCredit Union
AddressITHACA, NY 14850
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueJan 11, 2031
Interest
Rate TypeFixed Rate
Rate2.62%

Tax Assessment & Valuation

Source: Cortland County and Cortland City records · Assessment roll updated March 30, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateNew York
CountyCortland County
MunicipalityCortland City
Unified School DistrictCortland City School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,519.00 (+3.02%)$150,000 (+53.06%) Land $13,000 Building $137,000$154,639 (+15.19%) Land $13,402 Building $141,237
2023$3,416.00$98,000 Land $9,000 Building $89,000$134,247 Land $12,329 Building $121,918

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cortland County (36023C), updated August 11, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360239706003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone A, within 500 ft
Nearby Flood Policies6 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 210 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
Empire Telephone Corporation/North Penn Telephone CompanyFiber1,000 / 100
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Spectrum, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

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