CCertihomes
93 Elm Street, Cortland, NY 13045

$182,000

5 beds 2 baths 2,530 sqft Built 19003 days on marketActive

About this home

Beautifully Maintained Two-Family Home This well-kept two-family home offers an excellent opportunity for owner-occupants or investors. The first floor features 3 spacious bedrooms, 1 full bathroom, a comfortable living room, and a large eat-in kitchen—perfect for gatherings and everyday living. The second floor boasts 2 bedrooms, a bright living room, separate dining room, a roomy eat-in kitchen, and 1 full bath, providing plenty of space and flexibility. Additional highlights include: Shared washer and dryer in the basement Double-wide driveway with ample off-street parking Private backyard—ideal for relaxing or entertaining Move-in ready and conveniently located, this home offers both charm and functionality. A must-see!

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
$2,858/mo

Real estate (PITI + HOA + PMI)
$1,967
Principal + interest$1,168
Property tax + insurance$731
PMI / 2nd mortgage$68
Utilities
$1,730
Heating + cooling$713
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$2,858/mo TLC
Budget$5,000/mo
Remaining after TLC$2,142/mo
Purchase price
$182,000
Down payment
$9,100 (5%)
Loan amount
$172,900
APR
7.15%

Quick facts

Type
MultiFamily
Style
Duplex
Year built
1900
Lot size
0.1653 ac
Stories
2
Heating
Gas, Baseboard, HotWater
Cooling
Water
Connected, Public
HOA
Annual tax
$5,546
MLS #
S1629515
County
Cortland

At a glance

Basement

Home features

Appliances
GasWaterHeater
Interior
CeilingFans
Parking
PavedTwoOrMoreSpaces
Flooring
Hardwood, Varies, Vinyl
Roof
Asphalt
Sewer
Connected

Lot features

Rectangular, RectangularLot

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 8/12/2025. Provided courtesy of Hage Real Estate via Buffalo MLS. Information deemed reliable but not guaranteed.