10948 Cooper St, Cato, NY 13033 Property Records

Cayuga County and Conquest Town property record for 10948 Cooper St, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,533 sqft · built 1981
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$72,500 (Nov 2020)
Tax Bill	$2,567 (2026)
Deeds & Mortgages	Jul 2017 Mortgage Apr 2019 Sale & Refinance
Flood Zone	Zone X (minimal risk)
APN	`052600 56.00-1-55`

Property Details

APN / Parcel Number

Primary APN	`052600 56.00-1-55`
Alternative APNs	`260005600000010550000000` `04019021`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,533 sqft Living Area
1st Floor Area	1,533 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Porch
Porch Area	104 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	04019021
Street Address	10948 COOPER ST
City	CATO
State	NY
Zip	13033-4211
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AR
Legal Block	1
Legal Lot Number	55.000
Jurisdiction	CAYUGA NY
Township / Civil Division	CONQUEST
Census Block Group	2
Census Block	2006
Census Tract	40300

Owner

Source: Cayuga County and Conquest Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	10948 COOPER ST, CATO, NY 13033-4211
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage SAVANNAH BANK NA
Apr 15, 2019	Deed, Transfer · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2020 · Amount on Record
Deed Sale	Nov 13, 2020 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	2020199764
Deed Book / Page	3958 / 52
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	10948 COOPER ST, CATO, NY 13033-4211
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0035350228
Date	Jul 5, 2017
Book Page	3535/228
Instrument	2017-00172269

Lender

Name	SAVANNAH BANK NA
Type	Bank
Address	SAVANNAH, NY 13146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	160 Months
Due	Nov 15, 2030

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	CAYUGA NY
Recording Date	Apr 15, 2019
Property Address	10948 COOPER ST, CATO, NY 13033-4211
Document Number	003710/322
Book / Page	3710 / 322
Instrument Date	Apr 3, 2019
Instrument	2019-186450
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10579 SLAYTON RD, PORT BYRON, NY 13140-3386

Mortgage

Document Number	0037100325
Date	Apr 15, 2019
Book Page	3710/325
Instrument	2019-186451

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2034

Tax Assessment & Valuation

Source: Cayuga County and Conquest Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Conquest Town
Unified School District	Cato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,567.00 (+3.51%)
2025	$2,480.00 (+1.31%)	$95,300 (-) Land $20,100 Building $75,200	$132,361 (+11.11%) Land $27,917 Building $104,444
2024	$2,448.00 (+158.77%)
2023		$95,300 Land $20,100 Building $75,200	$119,125 Land $25,125 Building $94,000
2020	$946.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective April 30, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber · DSL	300 / 300
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

Cell Coverage

5G and 4G LTE (outdoors only)

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