Cayuga County and Victory Town property record for 11897 State Rte 38, Cato, NY 13033
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,664 sqft · built 1930 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Aug 2014) |
| Tax Bill | $6,619 (2026) |
| Deeds & Mortgages | Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 056400 37.00-1-59.1 |
| Primary APN | 056400 37.00-1-59.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,664 sqft Living Area |
| 1st Floor Area | 1,896 sqft |
| Upper Floors Area | 768 sqft |
| Game Room | Game Room |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Mixed |
| Garage Area | 1,512 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Porch Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 23025190 |
|---|---|
| Street Address | 11897 STATE ROUTE 38 |
| City | CATO |
| State | NY |
| Zip | 13033-8641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AR |
| Legal Block | 1 |
| Legal Lot Number | 59.001 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | VICTORY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 40101 |
11897 State Rte 38 is owned and occupied by an individual who bought it in August 2014.
Source: Cayuga County and Victory Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 11897 STATE ROUTE 38, CATO, NY 13033-8641 |
| 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 | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2014 · Amount on File |
| Deed Sale | Aug 18, 2014 · Amount on File |
| Prior Sale | Aug 18, 2014 · Amount on File |
| Deed Book / Page | 1556 / 73 |
| Prior Transfer Date | Dec 13, 2002 |
| Prior Transfer Doc | 1120000057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 11897 STATE ROUTE 38, CATO, NY 13033-8641 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004324/300 |
|---|---|
| Date | Feb 8, 2023 |
| Book Page | 4324/300 |
| Instrument | 2023-219910 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 11897 State Rte 38 was $6,619 with a veteran's exemption, up 95.9% from the year before.
Source: Cayuga County and Victory Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Victory Town |
| Unified School District | Red Creek Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,619.00 (+95.89%) Veteran's exemption | ||
| 2025 | $3,379.00 (+2.89%) Veteran's exemption | $221,800 Land $20,800 Building $201,000 | $341,231 Land $32,000 Building $309,231 |
| 2024 | $3,284.00 | ||
| 2023 | $221,800 Land $20,800 Building $201,000 | $295,733 Land $27,733 Building $268,000 | |
| 2020 | $3,104.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11897 State Rte 38 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective April 30, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 11897 State Rte 38 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 16 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 300 / 300 |
| Verizon Fixed Wireless | 300 / 20 |
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