20 Otter Creek Place, Cortland, NY 13045
$99,900
0 beds 1 baths 882 sqft Built 19010 days on marketActive
About this home
THIS 3 BDRM HOME IS WITHIN WALKING DISTANCE OF SUNY CORTLAND AND HAS IN THE PAST RENTED TO STUDENTS. OFFERS LR, FULL BATH AND KITCHEN ON 1ST FLOOR AND 3 BDRMS ON THE 2ND FLOOR. IN NEED OF TLC BUT THERE IS LOTS OF POETENTIAL FOR A SINGLE-FAMILY HOME OR AN INVESTMENT.
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
$1,667/mo
- Real estate (PITI + HOA + PMI)
- $1,184
- Utilities
- $852
- Transportation
- $0
- Other (entertainment)
- $138
Principal + interest$641
Property tax + insurance$506
PMI / 2nd mortgage$37
Heating + cooling$274
Internet + TV + phone$138
Water + sewer + garbage$58
Budget$5,000/mo
Remaining after TLC$3,333/mo
Purchase price
$99,900
Down payment
$4,995 (5%)
Loan amount
$94,905
APR
7.15%
Quick facts
Type
SingleFamilyResidence
Style
Bungalow
Year built
1901
Lot size
0.2587 ac
Stories
0
Heating
Gas, ForcedAir
Cooling
—
Water
Connected, Public
HOA
—
Annual tax
$4,572
MLS #
S1627278
County
Cortland
At a glance
Basement
Garage (1)
Home features
Appliances
FreeStandingRangeGasWaterHeaterOvenRefrigerator
Interior
EatInKitchenSeparateFormalLivingRoom
Exterior
DirtDrivewayGravelDrivewayPatio
Parking
DetachedGarage
Flooring
Carpet, Hardwood, Varies, Vinyl
Sewer
Connected
Lot features
Rectangular, RectangularLot, ResidentialLot
Neighborhood — 13045
| Metric | This ZIP | County | USA |
|---|---|---|---|
| Population | 28,785 | 19,351,094 | 299,088,112 |
| Population Change Since1990 | -3.00% | 8.00% | 20.00% |
| Population Density | 273 | 395 | — |
| Male | 13,714 | 9,381,926 | 147,432,321 |
| Female | 15,070 | 9,969,168 | 151,655,844 |
| Never Married | 9,055 | 4,946,391 | 63,775,926 |
| Married | 9,633 | 7,166,701 | 123,120,365 |
| Separated | 1,874 | 1,159,673 | 12,639,686 |
| Widowed | 1,749 | 1,110,245 | 15,467,586 |
| Divorced | 2,129 | 1,210,448 | 23,075,029 |
| Number Of House Hold | 10,143 | 7,102,016 | 111,826,380 |
| Average House Hold Size | 2.51 | 2.64 | 2.60 |
| Medial Age | 31.83 | 36.53 | 35.46 |
| 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 R | 8.00% | 4.00% | — |
| W C J | 78.84% | 81.55% | 77.74% |
(Zip) Code
13045
Data via Certihomes neighborhood index. Comparisons across this ZIP, county and the United States.
Map & walkability
Open in Google Maps →Listing information last refreshed 8/1/2025. Provided courtesy of Yaman Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.