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1240 Starr Rd, Cortland, NY, 13045

4beds
4baths
3,606sqft
$599,900
$166price/sqft
$5,061/moest. monthly cost
$202,440/yrincome needed

About This Home

Completely Remodeled Cape Cod on 5 Acres with Expansive Garage Space. This stunning Cape Cod home has been completely remodeled, offering over 3,600 sq. ft. of living space and endless options for parking or storage—cars, boats, snowmobiles, UTVs, campers, and more. The heart of the home is a chef’s dream kitchen: a massive open eat-in space with solid-surface countertops, a large center island, soft-close cabinetry, pull-out shelving, a walk-in pantry, all-new waterproof flooring, modern fixtures, and brand-new appliances. At the front of the home, the 30' x 17' living room features a gas fireplace with a marble surround and LED accent lighting. The first floor includes four bedrooms. The primary suite offers a spa-like full bath with a heated whirlpool tub, dimmable lighting, and his-and-her closets. Two additional bedrooms share a freshly remodeled full bath with top-notch finishes. The fourth bedroom—most recently used as an office—sits privately on the other side of the house. Upstairs, a unique entertainment space awaits with a fully stocked wet bar and DJ booth, wired and ready for your next disco party. Out back, enjoy a heated and insulated sunroom that leads to a deck with a gas grill hookup and power awning, overlooking a private backyard retreat. Car enthusiasts will appreciate the incredible garage space. Across the paved driveway sits a 65’ x 48’ Block building with overhead doors, electricity, a two-post lift, 10 ft. ceilings, and a heated office. If that’s not enough, the home also offers a full basement with concrete floors and over head door, previously used to house up to 14 cars. Other features include whole house generator, all new windows, 4 zones, remotes for lighting and fans, wine cellar and more. All of this is set on 5 acres stretching to the top of Parti Drive, giving you privacy, space, and endless potential.

Getting Around

16
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

--
Franklyn S Barry SchoolGrades K-20.4 mi
5/10

Construction

Condition

  • Property condition: Resale
  • Year built: 1980

Materials

  • Foundation: Block
  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Water Heater,Gas Oven,Gas Range,Microwave,Refrigerator,Washer
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Full,Walk-Out Access

Bedrooms & Bathrooms

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

Features

  • Wet Bar,Ceiling Fan(s),Eat-in Kitchen,Home Office,Kitchen Island,Quartz Counters,Solid Surface Counters,Walk-In Pantry,Bar,Bedroom on Main Level,Bath in Primary Bedroom,Main Level Primary,Workshop
  • Flooring: Ceramic Tile,Resilient,Varies
  • Number of fireplaces: 2
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Gas,Baseboard
  • Cooling features: Attic Fan

Interior Area

  • Total structure area: 3,606
  • Total interior livable area: 3,606 sqft

Property

Details

  • Parcel number: 11228909600000150010000000
  • Special condition: Standard

Features

  • Exterior features: Blacktop Driveway

Lot

  • Lot size: 5 Acres
  • Features: Rectangular,Rectangular Lot
  • Lot size dimensions: 155 x 1031

Parking

  • Total spaces: 14
  • Parking features: Attached,Electricity,Garage,Storage,Workshop in Garage
  • Has garage: Yes
  • Attached garage spaces: 14
  • Covered spaces: 14

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 $3,033$36,396
Home Insurance *$334$4,008
Property Taxes $1,099$13,188
Electricity $595$7,151
Total$5,061$60,732
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$173,520/yr
40% on housing$151,830/yr
45% on housing$134,960/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

$166This listing

vs Other Active Listings

Avg $/sqft

ZIP 13045$126
Cortland County$125

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
2026-05-04Price change$625,000
2025-10-08Listed for sale$650,000

For Sale by Agent

AgentJason Hage
BrokerageHage Real Estate

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