Cayuga County and Cato Town property record for 11296 South St, Cato, NY 13033
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,480 sqft · built 1953 |
| Lot Size | 0.837 acres (36,463 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $169,600 (Jun 2021) |
| Tax Bill | $5,688 (2026) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Feb 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 052403 45.20-2-35.1 |
| Primary APN | 052403 45.20-2-35.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| 1st Floor Area | 1,480 sqft |
| Basement Area | 64 sqft |
| Finished Basement | 64 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 36,463 sqft (0.837 acres) |
| Lot Dimensions | 188 ft deep x 193 ft wide |
| Garage Type | Basement |
| Porch | Slab |
| Porch Area | 300 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 43014072 |
|---|---|
| Street Address | 11296 SOUTH ST |
| City | CATO |
| State | NY |
| Zip | 13033-4227 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM 87-288 P/O 45.20-2-38 |
| Legal Block | 2 |
| Legal Lot Number | 35.001 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | CATO |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 40201 |
11296 South St is owned and occupied by two individuals who bought it in June 2021.
Source: Cayuga County and Cato Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11296 SOUTH ST, CATO, NY 13033-4227 |
| 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 |
|---|---|
| Jun 2, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage PLAZA HOME MORTGAGE INC |
| Feb 1, 2018 | Grant Deed, Transfer · FHA Mortgage PLAZA HM MTG |
| Feb 1, 2018 | Warranty Deed, Transfer HORIZON ABSTRACT CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2021 · Amount on File |
| Deed Sale | Jun 2, 2021 · Amount on File |
| Prior Sale | Feb 1, 2018 · Amount on File |
| Deed Document Number | 2021204686 |
| Deed Book / Page | 4051 / 62 |
| Prior Transfer Date | Apr 16, 2008 |
| Prior Transfer Doc | 0013510001 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Jun 2, 2021 |
| Property Address | 11296 SOUTH ST, CATO, NY 13033-4227 |
| Document Number | 0004051/62 |
| Book / Page | 4051 / 62 |
| Instrument Date | May 25, 2021 |
| Instrument | 2021-204686 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 7105 KINGDOM RD, MEMPHIS, NY 13112-8703 |
| Document Number | 0004051/66 |
|---|---|
| Date | Jun 2, 2021 |
| Book Page | 4051/66 |
| Instrument | 2021-204687 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Feb 1, 2018 |
| Property Address | 11296 SOUTH ST, CATO, NY 13033-4227 |
| Document Number | 0016950077 |
| Book / Page | 001695 / 000077 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 177120 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | HORIZON ABSTRACT CORPORATION |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $587.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 7122 KINGDOM RD MEMPHIS NY 131128701, MEMPHIS, NY 13112-8701 |
| Document Number | 35880253 |
|---|---|
| Date | Feb 1, 2018 |
| Book Page | 003588/000253 |
| Instrument | 177121 |
| Name | PLAZA HM MTG |
|---|---|
| Type | Mortgage Company |
| Address | WAKEFIELD, MA 01880 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 31, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Feb 1, 2018 |
| Property Address | 11296 SOUTH ST, CATO, NY 13033-4227 |
| Document Number | 0016950073 |
| Book / Page | 001695 / 000073 |
| Instrument Date | Aug 10, 2017 |
| Instrument | 177119 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2018 |
| Title Company | HORIZON ABSTRACT CORPORATION |
| Amount | Amount on Record |
|---|---|
| Tax | $592.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 449 TAFT AVE GLEN ELLYN IL 601376218, GLEN ELLYN, IL 60137-6218 |
The 2026 property tax bill for 11296 South St was $5,688, up 4.1% 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 |
| Municipality | Cato Village |
| Unified School District | Cato-Meridian Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,688.00 (+4.1%) | ||
| 2025 | $5,464.00 (+2.73%) | $132,000 Land $13,800 Building $118,200 | $244,444 Land $25,556 Building $218,888 |
| 2024 | $5,319.00 | ||
| 2023 | $132,000 Land $13,800 Building $118,200 | $197,015 Land $20,597 Building $176,418 | |
| 2020 | $820.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11296 South St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 11296 South St 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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CATO VILLAGE serves 601 people · EPA ID NY0501715 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2021 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Frontier Fiber | 300 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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