4340 Kinney Gulf Rd, Cortland, NY, 13045
About This Home
Offered on the open market for the very first time, this cherished family property has been lovingly cared for through generations. Escape to the perfect blend of comfort, privacy, and outdoor adventure with this beautifully updated 3-bedroom 2 bath home situated on nearly 10 picturesque acres. Offering approximately 1740 square feet of living space, this move-in ready property has been thoughtfully refreshed with paint, new flooring, updated windows and appliances, and numerous additional improvements. Enjoy peace of mind with a new steel roof (2025) and year-round comfort thanks to an energy efficient mini-split heat pump system. The partially finished basement provides additional living space to suit your needs. Outside, the possibilities are endless. The property consists of 2 tax parcels. Dry Creek winds through the land, creating a beautiful natural setting ideal for enjoying wildlife and outdoor recreation. Hunters, hobby farmers, and nature enthusiasts alike will appreciate the expansive acreage, while the pole barn pavilion offers excellent storage or potential for horses. A charming creekside cabin adds even more opportunity- perfect as a retreat, workshop, or gathering space. Despite its private country setting, this property is located just 2 miles from shopping, restaurants, and everyday amenities, offering the best of rural living without sacrificing convenience. Properties like this rarely become available. Combining a rich family history, thoughtful updates, exceptional acreage, and convenient location, this move-in ready country retreat is ready for you to write the next chapter.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Property condition: Resale
- Year built: 1954
Materials
- Foundation: Block
- Roof: Metal
- Construction materials: Vinyl Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dryer,Dishwasher,Electric Oven,Electric Range,Electric Water Heater,Refrigerator,Washer
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 2
- Full bathrooms: 2
- Main level bathrooms: 1
- Main level bedrooms: 3
Features
- Breakfast Bar,Separate/Formal Dining Room,Separate/Formal Living Room,Bedroom on Main Level,Programmable Thermostat
- Flooring: Ceramic Tile,Laminate,Luxury Vinyl,Varies
Heating & Cooling
- Heating features: Ductless,Electric,Heat Pump,Oil,Zoned,Baseboard,Hot Water
- Cooling features: Ductless,Heat Pump,Zoned
Interior Area
- Total structure area: 1,740
- Total interior livable area: 1,740 sqft
Property
Details
- Parcel number: 11228907500000020030000000
- Special condition: Standard
- Horse amenities: Horses Allowed
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Exterior features: Blacktop Driveway,Deck
- Horses can be raised: Yes
Lot
- Lot size: 9.70 Acres
- Features: Irregular Lot,Rural Lot,Secluded
- Lot size dimensions: 477 x 1450
Parking
- Total spaces: 1
- Parking features: Detached,Garage,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Winter Weather
- Cold Wave
- Ice Storm
- Lightning
- Strong Wind
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters in Cortland County and New York
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,714 | $20,568 |
| Home Insurance * | $189 | $2,268 |
| Property Taxes | $621 | $7,452 |
| Electricity | $287 | $3,450 |
| Total | $2,811 | $33,732 |
Income You'd Need if You Spent...
New York FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Listed for sale | $339,000 |
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