11656 State Rte 38, Cato, NY 13033 Property Records

Cayuga County and Victory Town property record for 11656 State Rte 38, Cato, NY 13033 · Last verified August 2026

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,680 sqft · built 1990
Lot Size	75 acres (3,267,000 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Mar 2023)
Tax Bill	$6,601 (2025)
Deeds & Mortgages	Mar 2023 Sale Mar 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`056400 44.00-1-2.2`

Property Details

APN / Parcel Number

Primary APN	`056400 44.00-1-2.2`
Alternative APN	`640004400000010020020000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	960 sqft
Upper Floors Area	720 sqft
Basement Area	720 sqft
Finished Basement	720 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	3,267,000 sqft (75 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	896 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	11656 STATE ROUTE 38
City	CATO
State	NY
Zip	13033-8643
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	1
Legal Lot Number	2.002
Jurisdiction	CAYUGA NY
Township / Civil Division	VICTORY
Census Block Group	2
Census Block	2038
Census Tract	40101

Owner

Source: Cayuga County and Victory Town records · APN 056400 44.00-1-2.2

Assessment roll updated May 1, 2026 · Last verified August 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	1579 CONQUEST VICTORY TOWN LINE RD, CATO, NY 13033-3248
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed, Transfer
Mar 19, 2019	Loan Modification, Mortgage · FHA Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 23, 2023 · Amount on Record
Deed Sale	Mar 23, 2023 · Amount on Record
Prior Sale	Jun 28, 2010 · Amount on Record
Deed Document Number	2023220621
Deed Book / Page	4336 / 326
Prior Transfer Date	Apr 19, 2012
Prior Transfer Doc	001474/136
Record Updated	Sep 20, 2026

March 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAYUGA NY
Recording Date	Mar 23, 2023
Property Address	11656 STATE ROUTE 38, CATO, NY 13033-8643
Document Number	004336/326
Book / Page	4336 / 326
Instrument Date	Mar 13, 2023
Instrument	2023-220621
Transaction Type	Transfer
Record Updated	Apr 18, 2023

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	1579 CONQUEST VICTORY TOWN LINE RD, CATO, NY 13033-3248

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CAYUGA NY
Property Address	11656 STATE ROUTE 38, CATO, NY 13033-8643
Document Number	0037060265
Instrument Date	Mar 19, 2019
Transaction Type	Mortgage
Record Updated	Apr 10, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11656 STATE ROUTE 38 CATO NY 130338643, CATO, NY 13033-8643

Mortgage

Document Number	0037060265
Date	Apr 03, 2019
Book Page	003706/000265
Instrument	186216

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	MONROE, LA 71203-4774

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 02, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Victory 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	$6,601.00 (-11.13%) Additional exemption filed	$312,500 (+19.78%) Land $169,300 Building $143,200	$480,769 (+38.2%) Land $260,461 Building $220,308
2024	$7,428.00 (+94.15%)
2023		$260,900 Land $117,700 Building $143,200	$347,867 Land $156,933 Building $190,934
2020	$3,826.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cayuga County (36011C), updated April 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 1 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	300 / 300
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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