Cayuga County and Cato Town property record for 11196 Duger Rd, Cato, NY 13033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,596 sqft · built 1996 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $39,000 (Apr 1999) |
| Tax Bill | $3,354 (2026) |
| Deeds & Mortgages | Sep 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 052489 53.00-1-15.3 |
| Primary APN | 052489 53.00-1-15.3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,596 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 11196 DUGER RD |
|---|---|
| City | CATO |
| State | NY |
| Zip | 13033-8700 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM 94-163 LOT 5 P/O 53.00-1-15.13 |
| Legal Block | 1 |
| Legal Lot Number | 15.003 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | CATO |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 40201 |
11196 Duger Rd is owned and occupied by two individuals who bought it in April 1999.
Source: Cayuga County and Cato Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11196 DUGER RD, CATO, NY 13033-8700 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 1999 · Amount on File |
| Deed Sale | Apr 29, 1999 · Amount on File |
| Prior Sale | Dec 9, 1998 · Amount on File |
| Deed Book / Page | 1004 / 83 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 11196 DUGER RD, CATO, NY 13033-8700 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0035590038 |
|---|---|
| Date | Sep 26, 2017 |
| Book Page | 3559/038 |
| Instrument | 2017-00174280 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 1, 2037 |
The 2026 property tax bill for 11196 Duger Rd was $3,354 with a homeowner's exemption, up 17.4% from the year before.
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 |
|---|---|---|---|
| 2026 | $3,354.00 (+17.44%) Homeowner's exemption | ||
| 2025 | $2,856.00 (+3.55%) Homeowner's exemption | $92,000 Land $17,000 Building $75,000 | $170,370 Land $31,481 Building $138,889 |
| 2024 | $2,758.00 | ||
| 2023 | $92,000 Land $17,000 Building $75,000 | $137,313 Land $25,373 Building $111,940 | |
| 2020 | $1,222.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11196 Duger Rd in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 in force |
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 11196 Duger Rd 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Frontier DSL | 115 / 7 |
May also be available: Spectrum, T-Mobile, Verizon.
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