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10817 State Rte 34, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 10817 State Rte 34, Cato, NY 13033 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 1 ba · 2,408 sqft · built 1850
Lot Size4.26 acres (185,566 sqft)
Owner2 Individual Names on File
Last Sale$310,000 (Aug 2026)
Tax Bill$4,841 (2025)
Deeds & MortgagesAug 2026 Sale & Mortgage
Jan 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN052489 51.00-1-28.2

Property Details

APN / Parcel Number

Primary APN052489 51.00-1-28.2
Alternative APNs
  • 248905100000010280020000
  • 03085171

Interior

Bedrooms4 Beds
Full Baths1 Bath
Stories2 Stories
Building Area2,408 sqft Living Area
1st Floor Area1,568 sqft
2nd Floor Area840 sqft

Exterior

Year BuiltBuilt 1850
Effective Year BuiltEffective 1850
Architectural StyleTraditional
Exterior MaterialStone
Lot Area185,566 sqft (4.26 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area352 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerSeptic
Water SourceWell

Location & Zoning

Account Number03085171
Street Address10817 STATE ROUTE 34
CityCATO
StateNY
Zip13033-3204
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal Block1
Legal Lot Number28.002
JurisdictionCAYUGA NY
Township / Civil DivisionCATO
Census Block Group3
Census Block3019
Census Tract40201

Owner

Source: Cayuga County and Cato Town records · APN 052489 51.00-1-28.2

Assessment roll updated May 1, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1437 DABOLL RD, MEMPHIS, NY 13112-8729
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Aug 07, 2026Warranty Deed, Transfer · Conventional Mortgage
FEDERAL EMPLOYEES CREDIT UNION
Jan 25, 2022Deed, Transfer · Stand-Alone First Mortgage
PLAZA HOME MORTGAGE INC
Jun 10, 2021Warranty Deed, Transfer

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 07, 2026 · Amount on Record
Deed SaleAug 07, 2026 · Amount on Record
Prior SaleJan 25, 2022 · Amount on Record
Deed Document Number2026245148
Deed Book / Page4769 / 185
Prior Transfer DateMay 05, 2021
Prior Transfer Doc004055/186
Record UpdatedSep 20, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCAYUGA NY
Recording DateAug 07, 2026
Property Address10817 STATE ROUTE 34, CATO, NY 13033-3204
Document Number0000245148
Book / Page4769 / 185
Instrument DateJul 16, 2026
Instrument2026245148
Transaction TypeTransfer
Record UpdatedAug 13, 2026
Title CompanyNETWORK TITLE AGENCY, NETWORK TITLE AGENCY OF NEW YO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$125,240.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1437 DABOLL RD, MEMPHIS, NY 13112-8729

Mortgage

Document Number0000245149,
DateAug 07, 2026
Instrument2026245149
Lender
NameFEDERAL EMPLOYEES CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 10, 2056
Interest
Rate TypeFixed Rate
Rate6.49%
Initial TypeFixed Rate
Max Rate-1%

January 2022: Deed, Transfer

Document TypeDeed
JurisdictionCAYUGA NY
Recording DateJan 25, 2022
Property Address10817 STATE ROUTE 34, CATO, NY 13033-3204
Document Number0004174/47
Book / Page4174 / 47
Instrument DateDec 23, 2021
Instrument2022-211137
Transaction TypeTransfer
Record UpdatedFeb 15, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address321 S SALINA ST APT 503, 503, SYRACUSE, NY 13202-1663

Mortgage

Document Number2022211141
DateJan 25, 2022
Instrument2022-211141
Lender
NamePLAZA HOME MORTGAGE INC
TypeMortgage Company
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCAYUGA NY
Recording DateJun 10, 2021
Property Address10817 STATE ROUTE 34, CATO, NY 13033-3204
Document Number004055/186
Book / Page4055 / 186
Instrument DateMay 05, 2021
Instrument2021-204917
Transaction TypeTransfer
Record UpdatedJan 17, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Trust
Address10817 STATE ROUTE 34, CATO, NY 13033-3204

Tax Assessment & Valuation

Source: Cayuga County and Cato Town records · Assessment roll updated May 1, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateNew York
CountyCayuga County
County SubdivisionCato Town
Unified School DistrictCato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$4,841.00 (+2.13%)$137,000 (-) Land $21,400 Building $115,600$253,704 (+24.07%) Land $39,630 Building $214,074
2024$4,740.00 (+156.08%)
2023$137,000 Land $21,400 Building $115,600$204,478 Land $31,940 Building $172,538
2020$1,851.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cayuga County (36011C), updated April 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360110402013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies1 in force
Nearby Flood Claims1 (2021)
Claims Outside the SFHA1 of 1
Most Recent ClaimOct 2021, river or lake flooding

Wildfire

Wildfire RiskLow
above 20% of the US · above 55% of New York
Wildfire LikelihoodAbout 1 in 10,000 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 4 locations within about half a mile of this property, a small sample

ProviderTechnologyDownload / Upload (Mbps)
SpectrumFiber1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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