32 N Church Street

Cortland, NY
$ 249,900 Beds 4 Baths 2 Sq 2,102 Virtual Tour
Monthly Estimate* How much can I afford?

Situated on a beautifully landscaped lot, this lovingly restored 1830s home blends historic character with thoughtful modern updates across more than 2,100 square feet of living space. Showcasing timeless architectural details and meticulous care, the home offers four bedrooms, two full bathrooms, first-floor laundry, dual staircases, partial basement, walk-up attic, and established perennial gardens that provide color throughout the seasons. The main level features a bright, welcoming floor plan with spacious living areas flowing from the living room into a cozy sitting room highlighted by original built-in cabinetry. A stunning home office showcases extensive custom bookshelves and historic trim salvaged from a church in Harford, New York. Just off the dining room, a heated bonus room—formerly a three-season porch—creates the perfect space for a home office, studio, or hobby room. The remodeled kitchen combines style and functionality with granite countertops, custom cabinetry, stainless steel appliances, a brand-new dishwasher, and a built-in beverage refrigerator. A distinctive first-floor bathroom features classic black-and-white tile, a full shower, and a heated towel bar. Upstairs, four generously sized bedrooms provide comfortable accommodations. The updated full bathroom serves as a relaxing retreat with a clawfoot soaking tub, double vanity, radiant heated floors, heated towel rack, and a separate shower. Outside, the property continues to impress with a rare two-story carriage house featuring some of its original siding. The upper level has been transformed into a versatile recreation space that can be heated with a propane or electric heater and cooled with window air conditioning during warmer months. A spacious detached two-car garage provides excellent storage, workshop potential, and covered parking. Adding to its versatility, the home's layout offers potential to be converted into a two-unit residence for multigenerational living or income-producing use, subject to local approvals. Combining historic craftsmanship with exceptional flexibility, this truly special property offers a rare opportunity to enjoy timeless charm with modern convenience.

Active

  • Price
  • $ 249,900
  • City
  • Cortland
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • CORTLAND
  • Half Bathrooms
  • 0
  • Area
  • Cortland
  • Lot Size
  • 0.212 Acres
  • Zip
  • 13045
  • Sqr Footage
  • 2,102
  • Year Built
  • 1836
  • Taxes
  • $ 5747
  • Style
  • TwoStory
  • MLS#
  • S1679695
Listed By: Jenna Davi with Berkshire Hathaway HomeServices Heritage Realty;
Data Source: Central New York Information Services (CNYIS)

Features

General

Sewer Connected
Heating Gas,ForcedAir
Utilities SewerConnected,WaterConnected
Possession CloseOfEscrow
Appliances DoubleOven,Dryer,ElectricWaterHeater,GasOven,GasRange,Microwave,WineCooler,Washer
Garage Spaces 2.0
Architectural Style TwoStory
Construction Materials AluminumSiding,BlownInInsulation
School District Cortland
Year Built 1836
Stories Count 2
Township Not Applicable
Levels Two
Property Subtype SingleFamilyResidence
County Cortland
Property Type Residential
Attached Garage No
Garage Y/N Yes
Total Rooms 12
Full Baths 2
Status Active
Directions Grant Street to North Church St. property is on your right.
City Cortland
Senior Community Y/N No
High School District Cortland
MLS Area Cortland-110200
Lot Size Units Acres
Lot Size Square Feet 9237.0
Year Built Details Existing
Tax Annual Amount 5747.0
Property Condition Resale
Standard Status Active
Middle/Junior School District Cortland
Elementary School District Cortland
Tax Assessed Value 155000
TaxOtherAnnualAssessmentAmount 0.0
Tax Lot 20

Interior Features

Interior Amenities SeparateFormalDiningRoom,SeparateFormalLivingRoom,GraniteCounters,HomeOffice,Workshop
Basement Partial
Flooring Carpet,LuxuryVinyl,Tile,Varies
Total Stories 2
Basement (Y/N) Yes
Heating Y/N Yes
Fireplace Y/N No
Laundry Features MainLevel
Total Bedrooms 4
Main Level Bathrooms 1
Total Baths 2

Exterior Features

Exterior Amenities BlacktopDriveway
Parking Features Detached,Garage
Lot Features Rectangular,RectangularLot,ResidentialLot
Water Source Connected,Public
Lot Size Area 0.212
Foundation Details Stone
Building Area Total 2102.0
Lot Dimensions 55X167
Lot Size Acres 0.212
Waterfront Y/N No
Road Frontage Type CityStreet

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Fayetteville, NY office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

5/11/2026 Listed $249,900

Property vs Zip Code Average in 13045

Price
AVG $340K
$250K
Taxes
AVG $7,133
$5,747
Year Built
AVG 1932
1836
Visits
AVG 31
285
Data Provided by Inside Real Estate®

32 N Church Street Cortland, NY is a Single Family Home for sale at $249900 with 2102 sqft and a lot size of 0.212 Acres Acre(s). 32 N Church Street Cortland has 4 bedrooms, 2 baths and was built in 1836. The property's zip code is 13045 which is in Cortland, NY

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.