CCertihomes
9 Church Street, Cortland, NY 13045

$250,000

7 beds 3 baths 3,982 sqft Built 18650 days on marketActive

About this home

This versatile 7-bedroom, 2.5 bath rebuilt property is a hidden gem in Cortland, NY. Use it as a commercial space, create an ideal student housing or for personal use. Only the foundation points to its origin in 1865, it was totally reconstructed in 2005 due to an unfortunate fire. The structure now, is a testament to great rebuilding. Apart from generous rooms, this property boasts of ample parking space and an enviable proximity to downtown and Cortland State. The unique blend of history and modern design makes it an exceptional choice. Do not let this opportunity pass you by!

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
$4,071/mo

Real estate (PITI + HOA + PMI)
$2,860
Principal + interest$1,604
Property tax + insurance$1,162
PMI / 2nd mortgage$94
Utilities
$2,422
Heating + cooling$1,059
Internet + TV + phone$138
Water + sewer + garbage$58
Transportation
$0
Other (entertainment)
$138
$4,071/mo TLC
Budget$5,000/mo
Remaining after TLC$929/mo
Purchase price
$250,000
Down payment
$12,500 (5%)
Loan amount
$237,500
APR
7.15%

Quick facts

Type
SingleFamilyResidence
Style
TwoStory
Year built
1865
Lot size
0.2124 ac
Stories
2
Heating
Gas, ForcedAir, MultipleHeatingUnits
Cooling
CentralAir
Water
Connected, Public
HOA
Annual tax
$9,234
MLS #
S1631062
County
Cortland

At a glance

Air conditioning
Basement

Home features

Appliances
GasOvenGasRangeGasWaterHeaterRefrigerator
Interior
CeilingFansCathedralCeilingsEatInKitchenSeparateFormalLivingRoomHomeOfficeKitchenFamilyRoomComboLivingDiningRoomSecondKitchenBedroomOnMainLevelInLawFloorplan
Exterior
BlacktopDriveway
Parking
NoGarageDriveway
Flooring
Carpet, Laminate, Varies
Sewer
Connected

Lot features

NearPublicTransit, 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 8/15/2025. Provided courtesy of Coldwell Banker Prime Prop, Inc via Buffalo MLS. Information deemed reliable but not guaranteed.