Cayuga County and Cato Town property record for 10961 State Rte 34, Cato, NY 13033
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 1 ba · 2,064 sqft · built 1850 |
| Lot Size | 149 acres (6,530,951 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $640,000 (Jul 2019) |
| Tax Bill | $5,446 (2025) |
| Deeds & Mortgages | Nov 2024 Line of Credit Jul 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052489 51.00-1-27.22 |
| Primary APN | 052489 51.00-1-27.22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,064 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| 2nd Floor Area | 816 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 6,530,951 sqft (149 acres) |
| Porch | Slab |
| Porch Area | 326 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 10961 STATE ROUTE 34 |
|---|---|
| City | CATO |
| State | NY |
| Zip | 13033-3207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | WM HUNTER REC'D BY WILL # 879-32, M HUNTER RLU |
| Legal Block | 1 |
| Legal Lot Number | 27.221 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | CATO |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 40201 |
10961 State Rte 34, a rural home, is owned and occupied by two individuals who bought it in July 2019.
Source: Cayuga County and Cato Town records, as of May 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10961 STATE ROUTE 34, CATO, NY 13033-3207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 14, 2024 | Deed of Trust, Mortgage · Line of Credit FARM CREDIT |
| Jul 31, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Jul 26, 2019 | Warranty Deed, Transfer WILLIAM F & CHRISTINE J HUNTER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2019 · Amount on File |
| Deed Sale | Jul 26, 2019 · Amount on File |
| Deed Document Number | 2019188818 |
| Deed Book / Page | 3750 / 181 |
| Prior Transfer Date | Jul 23, 2019 |
| Prior Transfer Doc | 003752/170 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 10961 STATE ROUTE 34, CATO, NY 13033-3207 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004546/195 |
|---|---|
| Date | Nov 14, 2024 |
| Book Page | 4546/195 |
| Instrument | 2024-232507 |
| Name | FARM CREDIT |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Jul 31, 2019 |
| Property Address | 10961 STATE ROUTE 34, CATO, NY 13033-3207 |
| Document Number | 0037520170 |
| Book / Page | 003752 / 000170 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 188933 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 10973 STATE ROUTE 34 CATO NY 130333207, CATO, NY 13033-3207 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Jul 26, 2019 |
| Property Address | 10961 STATE ROUTE 34, CATO, NY 13033-3207 |
| Document Number | 0037500181 |
| Book / Page | 003750 / 000181 |
| Instrument Date | Jul 23, 2019 |
| Instrument | 188818 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,560.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11152 SLAYTON RD CATO NY 130333216, CATO, NY 13033-3216 |
| Document Number | 37500191 |
|---|---|
| Date | Jul 26, 2019 |
| Book Page | 003750/000191 |
| Instrument | 188820 |
| Name | WILLIAM F & CHRISTINE J HUNTER |
|---|---|
| Address | 10973 STATE ROUTE 34, CATO, NY 13033-3207 |
| Special Notes | Seller Financed |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Jul 25, 2039 |
| Rate | 5% |
|---|
The 2025 property tax bill for 10961 State Rte 34 was $5,446.
Source: Cayuga County and Cato Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Cato Town |
| Unified School District | Cato-Meridian Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,446.00 Additional exemption filed | $345,600 Land $159,700 Building $185,900 | $640,000 Land $295,741 Building $344,259 |
| 2023 | $285,400 Land $99,500 Building $185,900 | $425,970 Land $148,507 Building $277,463 |
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.
FEMA maps place 10961 State Rte 34 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2021.
Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2021) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 2021 · river or lake flooding |
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.
Wildfire risk around 10961 State Rte 34 is low, with a 0.01% annual chance of 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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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