CCertihomes
8 Pearl Street, Cortland, NY 13045

$185,000

4 beds 2 baths 1,569 sqft Built 191510 days on marketActive

About this home

A four-bedroom home in the city, nestled in an established street of single-family homes. With hardwood floors throughout and natural woodwork cabinets and railings in the entry. It boats a new hot water tank, and each room has updated split ac/heat units. The downstairs bathroom has been remodeled to include a walk-in tub. The kitchen has new appliances and washer/dryer. There is new electrical throughout and electricity in the garage. The front porch is a three-season space, and the back deck is perfect for summer fun. This home is located close to SUNY Cortland. This home can be owner occupied or an investment rental for students or tenants.

Affordability — calculate your monthly payment

Adjust your budget to see what's left after housing, utilities and transportation. Numbers below assume a 5% down, 30YrFixed at 7.15% APR.

Your estimated payment
$2,657/mo

Real estate (PITI + HOA + PMI)
$2,004
Principal + interest$1,187
Property tax + insurance$748
PMI / 2nd mortgage$69
Utilities
$1,256
Heating + cooling$476
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$2,657/mo TLC
Budget$5,000/mo
Remaining after TLC$2,343/mo
Purchase price
$185,000
Down payment
$9,250 (5%)
Loan amount
$175,750
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
Colonial, TwoStory
Year built
1915
Lot size
0.1389 ac
Stories
2
Heating
Electric, Gas, HotWater
Cooling
WallUnits
Water
Connected, Public
HOA
Annual tax
$6,210
MLS #
S1621210
County
Cortland

At a glance

Air conditioning
Basement
Garage (1)

Home features

Appliances
DryerElectricCooktopElectricOvenElectricRangeGasWaterHeaterRefrigeratorWasher
Interior
CedarClosetsCeilingFansSeparateFormalDiningRoomEntranceFoyerEatInKitchenSeparateFormalLivingRoomCountryKitchenLivingDiningRoomSlidingGlassDoorsNaturalWoodwork
Exterior
BlacktopDrivewayDeckEnclosedPorchPorchPatioPrivateYardSeeRemarks
Parking
DetachedElectricityGarageDriveway
Flooring
Hardwood, Varies
Roof
Asphalt, Shingle
Sewer
Connected

Lot features

NearPublicTransit, Rectangular, RectangularLot, ResidentialLot

Schools

High
Cortland Junior-Senior High

Neighborhood — 13045

MetricThis ZIPCountyUSA
Population28,78519,351,094299,088,112
Population Change Since1990-3.00%8.00%20.00%
Population Density273395
Male13,7149,381,926147,432,321
Female15,0709,969,168151,655,844
Never Married9,0554,946,39163,775,926
Married9,6337,166,701123,120,365
Separated1,8741,159,67312,639,686
Widowed1,7491,110,24515,467,586
Divorced2,1291,210,44823,075,029
Number Of House Hold10,1437,102,016111,826,380
Average House Hold Size2.512.642.60
Medial Age31.8336.5335.46
Median House Hold Income$34,625$49,847$48,276
Average House Hold Income$44,673$70,032$63,629
P C I$16,699$26,569$24,529
M D I$30,687$42,210$41,133
A T H E$40,548$54,185$50,898
S T R8.00%4.00%
W C J78.84%81.55%77.74%
(Zip) Code
13045

Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.

Map & walkability

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Listing information last refreshed 7/11/2025. Provided courtesy of Tompkins Cortland Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.