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4545 Cosmos Hill Rd, Cortland, NY, 13045

6beds
4baths
3,244sqft
$1,399,900
$432price/sqft
$10,960/moest. monthly cost
$438,400/yrincome needed

About This Home

Escape to a private country estate where timeless architecture, extraordinary craftsmanship, and resort-inspired amenities come together to create an exceptional lifestyle. Set on 35 acres, this remarkable property offers a level of privacy and tranquility rarely found within an easy drive of Syracuse, Skaneateles, and Ithaca. Originally transformed through an extensive renovation in 2017, the main residence offers over 4,000 square feet of beautifully designed living space. At its heart is a spectacular chef's kitchen featuring an expansive island, Sub-Zero refrigerator, Wolf range, granite countertops, farmhouse sink, and custom cabinetry. The dramatic two-story great room is anchored by a soaring stone fireplace and opens through a stunning Pella accordion door to an outdoor oasis designed for effortless entertaining. The backyard is nothing short of extraordinary. A stunning in-ground gunite pool, expansive patio and deck, and curated specimen gardens create an atmosphere that feels more like a private retreat than a residence. The main residence also includes a grand two-story foyer with a sweeping curved staircase, elegant formal living and dining rooms, four bedrooms, two-and-a-half baths, first-floor laundry, a finished lower level with wet bar, and an attached three-car garage. Adding exceptional versatility to the estate is a detached multi-car garage with a beautifully appointed 1,107 square foot carriage house residence above. Completely renovated in 2025, this private living space features a new kitchen, updated bathroom, great room with a view, two bedrooms, laundry, and a private deck overlooking the grounds. Ideal for extended family, guests, caregivers, an au pair, multigenerational living, or a sophisticated home office retreat, it offers complete independence while remaining seamlessly connected to the estate. An additional outbuilding enhances the property's functionality, providing generous space for storage, equipment, hobbies, or a private workshop. More than a home, this is a destination property—an opportunity to enjoy the peace and privacy of a secluded country retreat without sacrificing convenience.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

--
Homer Elementary SchoolGrades PK-21.7 mi
6/10
Homer Junior High SchoolGrades 6-81.9 mi
7/10
Homer Senior High SchoolGrades 9-121.1 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1991

Materials

  • Foundation: Block
  • Construction materials: Frame,Other,Stone

Type & Style

  • Home type: SingleFamily
  • Architectural style: Colonial,Two Story,Transitional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Built-In Refrigerator,Dryer,Dishwasher,Exhaust Fan,Disposal,Gas Oven,Gas Range,Gas Water Heater,Microwave,Range Hood,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate/Formal Dining Room,Entrance Foyer,Separate/Formal Living Room,Guest Accommodations,Granite Counters,Great Room,Kitchen Island,Kitchen/Family Room Combo,Second Kitchen,In-Law Floorplan,Bath in Primary Bedroom
  • Flooring: Ceramic Tile,Hardwood,Varies
  • Number of fireplaces: 1
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas,Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,244
  • Total interior livable area: 3,244 sqft

Property

Details

  • Parcel number: 11228907600000080010000000
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Pool features: In Ground
  • Patio & porch: Deck
  • Exterior features: Blacktop Driveway,Deck,Fence,Pool
  • Fencing: Partial

Lot

  • Lot size: 35.37 Acres
  • Features: Irregular Lot,Residential Lot

Parking

  • Total spaces: 5
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 5
  • Covered spaces: 5

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
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Inland Flooding
Winter Weather
Cold Wave
Ice Storm
Lightning
Strong Wind
Tornado

FEMA Declared Disasters in Cortland County and New York

Flood
Hurricane
Severe Storm
Tornado
Tropical Storm

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

MonthlyAnnual
Mortgage $7,078$84,936
Home Insurance *$780$9,360
Property Taxes $2,566$30,792
Electricity $536$6,433
Total$10,960$131,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$375,771/yr
40% on housing$328,800/yr
45% on housing$292,266/yr

New York FAIR Plan Programs

New York Property Insurance Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 20,669Commercial: 1,556
Total Premiums$32.27M
Total Exposure$7.63B

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.

Insurance Growth Rate5-year average: -4.7%
-4.7%
0%30.0%
Electricity Growth Rate10-year average: 7.1%
7.1%
0%15.0%
Property Taxes Growth Rate2-year average: -3.8%
-3.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$432This listing

vs Other Active Listings

Avg $/sqft

ZIP 13045$116
Cortland County$121

vs Homes Sold Last Month

Median $/sqft

ZIP 13045$127
Cortland County$127

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

DateEventPrice
2026-07-13Listed for sale$1,399,900
2022-08-05Listing removed--
2022-05-04Price change$1,300,000
2021-09-27Listed for sale$1,600,000
1995-09-19Sold$295,000

For Sale by Agent

AgentEllen O'Connor
BrokerageHigh Falls Sotheby's International Realty

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