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Single Family ResidenceResidential
$108,790$104 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 68How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $94,500 on Sep 25, 2008

109 RIVER ST

CORTLAND, NY 13045
3
Beds
2 / 1
Baths
1,045 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.5 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
8
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$109K
$74K low$144K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$94,500 · Sep 25, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,208 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$120,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$95,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$120,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$123,711

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyCortland
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1964
Lot (acres)The size of the land the home sits on, from county records.0.50
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 179 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
Cortland Junior High SchoolC+
Middle · Grades 7–8 · 1.0 mi
H
Cortland High SchoolB
High · Grades 9–12 · 1.0 mi
E
Franklyn S Barry Primary School
Elementary · Grades PK–2 · 1.8 mi

District: Cortland City School District

Neighborhood · ZIP 13045These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.92
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.39

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.27,776
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.260 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$65,254
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$79,736
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.41 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.49%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 River St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 94% of homes in Cortland 13045
  • Costs less per square foot than 75% of homes in Cortland 13045
  • Smaller than 87% of homes in Cortland 13045
  • Older than 85% of homes in Cortland 13045

What homes are worth in Cortland 13045

Each bar is how many homes fall in that price range. The marker is this home.

This home
$76K$485K

This home is worth more than 6% of homes in Cortland 13045.

How it measures up in Cortland 13045

The dot is this home. The mark in the middle is the typical home in Cortland 13045.

Estimated value$108,790
CheaperTypical $188,286Pricier

Pricier than 6% of homes nearby

Price per ft²$104
CheaperTypical $132Pricier

Pricier than 25% of homes nearby

Living area1,045 ft²
SmallerTypical 1,606 ft²Bigger

Bigger than 13% of homes nearby

Lot size0.5 ac
SmallerTypical 0.3 acBigger

Bigger than 62% of homes nearby

Year built1890
OlderTypical 1950Newer

Newer than 15% of homes nearby

How 109 River St ranks against every home in each area.
MeasureThis homeCortland 13045Cortland County
Estimated valuepricier than$108,7906% of homes8% of homes
Price per ft²pricier than$10425% of homes29% of homes
Living areabigger than1,045 ft²13% of homes16% of homes
Lot sizebigger than0.5 ac62% of homes46% of homes
Year builtnewer than189015% of homes20% of homes

About 109 River St

How much is 109 River St, Cortland, NY worth?

The TopHap Estimate for 109 River St, Cortland, NY is $108,790 as of Jul 14, 2026. The likely range is $73,962 to $143,618. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 River St, Cortland, NY last sell?

109 River St, Cortland, NY last sold on Sep 25, 2008 for $94,500, according to the county's recorded deed. TopHap holds 4 recorded sales for this parcel.

How big is 109 River St, Cortland, NY?

109 River St, Cortland, NY has 3 bedrooms, 2 bathrooms, 1,045 square feet of living space and a 0.50-acre lot.

When was 109 River St, Cortland, NY built?

109 River St, Cortland, NY was built in 1890, making it 136 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 109 River St, Cortland, NY?

109 River St, Cortland, NY is assigned to Cortland Junior High School (middle), rated C+; Cortland High School (high), rated B; Franklyn S Barry Primary School (elementary). All sit in Cortland City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 River St, Cortland, NY compare to other homes in Cortland 13045?

Among the 8,476 homes in Cortland 13045, it is worth more than 6% of them ($108,790 against a typical $188,286), its price per square foot is higher than 25% of them ($104 against a typical $132), it is bigger than 13% of them (1,045 ft² against a typical 1,606 ft²), its lot is bigger than 62% of them (0.5 ac against a typical 0.3 ac) and it is newer than 15% of them (1890 against a typical 1950). Measured against all of Cortland County, it is worth more than 8% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 River St, Cortland, NY?

The 2025 property tax bill for 109 River St, Cortland, NY was $2,208. The county assessed it at $120,000.

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