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Single Family ResidenceResidential
$111,954$85 / 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 92How 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

95 RIVER ST

CORTLAND, NY 13045
3
Beds
1
Baths
1,318 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.
0.17 ac
Lot SizeThe size of the land the home sits on, from county records.
1880
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
5
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

$112K
$103K low$121K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,658 (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.$95,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$79,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$95,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$97,938

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

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
Lot (acres)The size of the land the home sits on, from county records.0.17
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 172 ft²

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 · 1.1 mi
H
Cortland High SchoolB
High · Grades 9–12 · 1.1 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

95 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 93% of homes in Cortland 13045
  • Costs less per square foot than 90% of homes in Cortland 13045
  • Smaller than 71% of homes in Cortland 13045
  • Has a smaller lot than 84% of homes in Cortland County
  • Older than 90% 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
$80K$478K

This home is worth more than 7% 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$111,954
CheaperTypical $186,283Pricier

Pricier than 7% of homes nearby

Price per ft²$85
CheaperTypical $131Pricier

Pricier than 10% of homes nearby

Living area1,318 ft²
SmallerTypical 1,600 ft²Bigger

Bigger than 29% of homes nearby

Lot size0.17 ac
SmallerTypical 0.3 acBigger

Bigger than 26% of homes nearby

Year built1880
OlderTypical 1950Newer

Newer than 10% of homes nearby

How 95 River St ranks against every home in each area.
MeasureThis homeCortland 13045Cortland County
Estimated valuepricier than$111,9547% of homes10% of homes
Price per ft²pricier than$8510% of homes14% of homes
Living areabigger than1,318 ft²29% of homes33% of homes
Lot sizebigger than0.17 ac26% of homes16% of homes
Year builtnewer than188010% of homes15% of homes

About 95 River St

How much is 95 River St, Cortland, NY worth?

The TopHap Estimate for 95 River St, Cortland, NY is $111,954 as of Jul 14, 2026. The likely range is $103,293 to $120,615. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 95 River St, Cortland, NY last sell?

95 River St, Cortland, NY last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 95 River St, Cortland, NY?

95 River St, Cortland, NY has 3 bedrooms, 1 bathrooms, 1,318 square feet of living space and a 0.17-acre lot.

When was 95 River St, Cortland, NY built?

95 River St, Cortland, NY was built in 1880, making it 146 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 95 River St, Cortland, NY?

95 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 95 River St, Cortland, NY compare to other homes in Cortland 13045?

Among the 8,476 homes in Cortland 13045, it is worth more than 7% of them ($111,954 against a typical $186,283), its price per square foot is higher than 10% of them ($85 against a typical $131), it is bigger than 29% of them (1,318 ft² against a typical 1,600 ft²), its lot is bigger than 26% of them (0.17 ac against a typical 0.3 ac) and it is newer than 10% of them (1880 against a typical 1950). Measured against all of Cortland County, it is worth more than 10% 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 95 River St, Cortland, NY?

The 2025 property tax bill for 95 River St, Cortland, NY was $3,658. The county assessed it at $95,000.

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