11404 State Rte 176, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 11404 State Rte 176, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,856 sqft · built 2005
Lot Size	8.22 acres (358,063 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,036 (2025)
Deeds & Mortgages	Dec 2020 Refinance Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052489 47.00-1-37.321`

Property Details

APN / Parcel Number

Primary APN	`052489 47.00-1-37.321`
Alternative APN	`248904700000010373210000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,856 sqft Living Area
1st Floor Area	1,596 sqft
2nd Floor Area	1,260 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	358,063 sqft (8.22 acres)
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Pole Barn	1,200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	11404 STATE ROUTE 176
City	CATO
State	NY
Zip	13033-3315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	37.321
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	1
Census Block	1005
Census Tract	40201

Owner

Source: Cayuga County and Cato Town records · APN 052489 47.00-1-37.321

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

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

Owner of Record	2 Individual Names on File
Mailing Address	11404 STATE ROUTE 176, CATO, NY 13033-3315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 07, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage SEFCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	11404 STATE ROUTE 176, CATO, NY 13033-3315
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003969/337
Date	Dec 07, 2020
Book Page	3969/337
Instrument	2020-200366

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Jan 01, 2041

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	11404 STATE ROUTE 176, CATO, NY 13033-3315
Document Number	0037630085
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Sep 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11404 ROUTE 176 CATO NY 13033, CATO, NY 13033

Mortgage

Document Number	0037630085
Date	Aug 26, 2019
Book Page	003763/000085
Instrument	189574

Lender

Name	SEFCU
Type	Credit Union
Address	ALBANY, NY 12206

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 25, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,036.00 (-0.35%) Homeowner's exemption	$275,500 (-) Land $26,400 Building $249,100	$510,185 (+24.07%) Land $48,889 Building $461,296
2024	$9,068.00 (+162.54%)
2023		$275,500 Land $26,400 Building $249,100	$411,194 Land $39,403 Building $371,791
2020	$3,454.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 30, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 13 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on State Rte 176

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