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$320,000

Listing Price

3beds

2baths

1,528sqft

9,600sqft lot

1045 Cortland St, Albany, NY 12203

Member Features

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  • Full foreclosure details

  • Home value, equity and ownership info

  • Find homes priced below market

  • Get full access with a FREE Account

Already a member?

For Sale

Off Market

Single Family

Home type

220.69

Price / sqft

1953

Year built

Home Details

Freshly painted with a new roof, this beautifully maintained 3BR/1.5BA home shines with light-filled rooms, bonus spaces, and even a yard designed for both playtime and pool-time. Step into a bright and cheerful living room where sunlight from the picture window highlights the natural beauty of the hardwood floors. The spacious and stylish eat-in kitchen offers abundant cabinet and counterspace along with a brand-new stainless steel Whirlpool refrigerator. A super convenient mudroom connects the garage to the kitchen serving as the perfect drop zone for coats and shoes, and sliders off the mudroom lead to the backyard creating a seamless indoor-outdoor flow. The main level features 3 nice-sized bedrooms plus a roomy full bath, while the dry basement, though not finished, has previously been used as a playroom and TV room. Youll also find a 1/2 bath downstairs plus a separate area for laundry and storage, adding both function and flexibility to this extra space. Outside, the setting is just as functional and fun, with inviting spaces for any mood or lifestyle - a peaceful patio, grassy areas for pets, play or gardening, and a separate fenced-in section for summer fun with an in-ground pool and a large trex deck. Set in a sought-after residential neighborhood with schools, parks, shops, and dining nearby, this home combines updates that matter most with spaces designed for lasting memories.

Interior Details

Square Feet
  • 1528

Bedrooms
  • 3

Bathrooms
  • 2

Heating
  • Has Heating:

    Yes

  • Heating Type:

    Hot Water

Cooling
  • Has Cooling:

    No

  • Cooling Type:

    N/A

Fuel
  • Has Fuel:

    Yes

  • Fuel Type:

    Oil

Basement
  • Has Basement:

    No

  • Basement Type:

    Full

Flooring
  • Has Flooring:

    No

  • Flooring Type:

    N/A

Fireplace
  • Has Fireplace:

    Yes

  • Fireplace Type:

    N/A

Property Details

Lot Size
  • 9600

Water
  • Yes

Sewer
  • Yes

Parking
  • Type:

    Garage, Attached

  • Location:

    N/A

  • Status:

    N/A

  • Number of Spaces:

    1

Deck
  • No

Patio
  • No

Fence
  • No

Pool
  • No

Porch
  • No

Stoop
  • No

Breezeway
  • No

Construction Details

Number of Stories
  • 1

Style
  • Ranch

Exterior
  • Aluminum/vinyl

Foundation
  • N/A

Roof
  • N/A

Roofing Material
  • N/A

Tax History

Year

Amount

Land

Improvement

Percent Change

Assessment

2020

$6,715

$35,000

$142,000

--%

$177,000

2018

$6,731

$35,000

$142,000

--%

$177,000

2017

$5,769

$35,000

$142,000

--%

$177,000

2016

$5,512

$35,000

$142,000

--%

$177,000

2015

$5,296

$36,600

$139,400

--%

$176,000

2013

$5,930

$36,600

$146,400

--%

$183,000

2011

$5,585

$36,600

$146,400

--%

$183,000

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Average Home Price in 12203

Nearby Properties

Zip Code

Price

Bed

Bath

Sqft

Lot

Sold Date

$348,562

4 Beds

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1,701 Sqft

7,800 Lot (sqft)

Sold 08/14/2026

$233,660

3 Beds

2 Baths

1,690 Sqft

4,800 Lot (sqft)

Sold 07/21/2026

$341,256

4 Beds

1.5 Baths

1,726 Sqft

7,800 Lot (sqft)

Sold 07/16/2026

$303,046

3 Beds

2 Baths

1,354 Sqft

9,240 Lot (sqft)

Sold 10/05/2026

$374,800

3 Beds

1.5 Baths

1,434 Sqft

7,200 Lot (sqft)

Sold 10/06/2026

$349,900

3 Beds

2 Baths

1,424 Sqft

7,200 Lot (sqft)

Sold 09/29/2026

$320,000

3 Beds

2 Baths

1,528 Sqft

9,600 Lot (sqft)

Sold 09/29/2026

$257,500

3 Beds

2 Baths

1,560 Sqft

6,396 Lot (sqft)

Sold 09/29/2026

$326,734

4 Beds

1.5 Baths

1,470 Sqft

5,160 Lot (sqft)

Sold 10/05/2026

percent-home-icon

Calculators

Mortgage

Mortgage Calculator

Calculate your monthly mortgage payments.
Household Income
70,000
$
Home price
320,000
$
Down payment
64,000
$
Mortgage Rate
6.5
%
Loan Term
Property Tax Rate
1.1
%
Homeowner's Insurance (Annual)
1,920
$
HOA (Monthly)
0
$
PMI
0
$
$2,071
Your Payment
Total Monthly Payment:$2,071
Percent of Income:36%
Affordable:No

Details for 1045 CORTLAND ST

Property Debt

Foreclosure Contact Details