12 E Main Street Cortland, NY $ 249,000
12 E Main Street
$ 249,000
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12 E Main Street

Cortland, NY, 13045
$ 249,000
Bedrooms4 Baths2.0 Sq 2,872

Monthly Estimate*

$ 1,553

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Multi-Family Home for sale in Cortland, NY

for $249,000 with 4 bedrooms and 2 full baths. This 2,872 square foot home was built in 1905 on a lot size of 0.1435.

Enjoy the timeless charm of this beautiful Victorian home nestled on the serene East Main Street. Perfect for first-time homebuyers or savvy investors. This turnkey property is ready for immediate enjoyment whether you're offsetting your mortgage with rental income while residing in one unit or leasing both for optimal returns. The first-floor apartment welcomes you with a fully rebuilt 40-foot wraparound porch and a private rear patio. Inside, natural woodwork and beautiful hardwood floors complement 9-foot ceilings. The spacious living room (13x14) features elegant pocket doors that open to a generous dining room (12x13) accented by a large picture window. The large master bedroom (11x14) includes a walk-in closet. The second bedroom (10x11) is accompanied by an adjacent study room (10x11) with a closet. The expansive eat in kitchen, has been completely remodeled with new cabinets, countertops, and modern appliances. The second-floor unit features an all natural hardwood foyer highlighted by a stained glass window, leading to a 15 foot private porch overlooking the peaceful street. This apartment boast a bright living room (13x14) complete with picture window. The large dining room (12x13) with a bay window. The master bedroom is flooded with natural light with its own walk-in closet. The second bedroom has a closet. The kitchen (11x18) shines with freshly painted cabinets, new countertops, and stainless appliances. Off the kitchen, there is a convenient rear staircase to the lower level, or step out to the expansive 12 foot by 12 foot rear deck, ideal for relaxing or dining. The deck overlooks the backyard & 2 car garage. The entire unit has been freshly repainted for a move-in ready feel. Modern upgrades to ensure comfort!! -Complete with new replacement windows - 2 100 amp electrical services - 2 new forced hot air furnaces - Washer and dryer hookups in each unit The roof is durable 50-year architectural shingle system ( aprox. 20 years old, installed via full tear-off and the chimney has been rebuilt from the roofline up. Truly a rare find in today's market, this turnkey gem requires no further work, Just step in and start reaping the benefits.

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Multi-Family Pending

Price

$ 249,000

Bedrooms

4

Full Bath

2

Property Type

Multi-Family

Taxes

$ 5,974

Style

Duplex

Lot Size

0.1435

Year Built

1905

Town/City

Cortland

County/Region

Cortland

MLS | Web ID

S1637719

Features
Interior
Interior Amenities CeilingFans
Basement Full
Flooring Hardwood Varies Vinyl
Total Fireplaces 0
Total Stories 2
Basement (Y/N) Yes
Heating Y/N Yes
Window Features ThermalWindows
Fireplace Y/N No
Half Baths 0
Total Bedrooms 4
Main Level Bathrooms 0
Total Baths 2
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General
Sewer Connected
Heating Gas ForcedAir
Utilities ElectricityAvailable HighSpeedInternetAvailable SewerConnected WaterConnected
Possession CloseOfEscrow
Appliances GasWaterHeater
Garage Spaces 2.0
Architectural Style Duplex
Construction Materials VinylSiding
School District Cortland
Year Built 1905
Electric CircuitBreakers
Stories Count 2
Township Not Applicable
Levels Two
Property Subtype MultiFamily
Gross Income 30000.0
County Cortland
Net Operating Income 16026.0
Operating Expense 8000.0
Property Type Residential
Garage Y/N Yes
Rent Includes Gardener SnowRemoval TrashCollection Water
Full Baths 2
Status Pending
Directions N Main to right on E Main
City Cortland
Senior Community Y/N No
High School District Cortland
Number Of Units Total 2
MLS Area Cortland-110200
Lot Size Units Acres
Lot Size Square Feet 6250.0
Year Built Details Existing
Tax Annual Amount 5974.0
Property Condition Resale
Virtual Tour https://www.propertypanorama.com/instaview/syr/S1637719 https://www.propertypanorama.com/instaview-tour/syr/S1637719
Standard Status Pending
Middle/Junior School District Cortland
Elementary School District Cortland
Tax Assessed Value 165000
TaxOtherAnnualAssessmentAmount 0.0
Tax Lot 51
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Exterior
Parking Features TwoOrMoreSpaces
Lot Features NearPublicTransit Rectangular RectangularLot ResidentialLot
Water Source Connected Public
Lot Size Area 0.1435
Building Area Total 2872.0
Lot Dimensions 50X125
Lot Size Acres 0.1435
Waterfront Y/N No
Number of Separate Gas Meters 2
Number of Separate Electric Meters 2
Road Frontage Type CityStreet
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Internal Only
Street Number 1 12
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* Excluded Features
List By
Yaman Real Estate

Broker

(607) 745-3731

Phone

Affordability Calculator

$2,051
Per Month
76%
24%
0%
Monthly Principal & Interest
$1,553
Monthly Property Taxes
$498
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% 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.
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Nearby
3038306 Elementary School
3038340 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
10/29/2025$249,000 -7.43% Price Down
9/15/2025$269,000 Listed Price

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12 E Main Street, Cortland, NY, 13045 is a Multi-Family Home for sale at $249,000 with 2,872 sqft and a lot size of 0.1435. 12 E Main Street has 4 bedrooms, 2.0 baths, and was built in 1905. The property's zip code is 13045 which is in Cortland, NY