11976 State Rte 38, Cato, NY 13033 Property Records

Cayuga County and Victory Town property record for 11976 State Rte 38, Cato, NY 13033 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,704 sqft · built 1900
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,057 (2025)
Deeds & Mortgages	Jun 2023 Refinance Mar 2023 Refinance
Flood Zone	Zone X (minimal risk)
APN	`056400 38.01-1-44.31`

Property Details

APN / Parcel Number

Primary APN	`056400 38.01-1-44.31`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,704 sqft Living Area
1st Floor Area	1,044 sqft
2nd Floor Area	660 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1967
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	285 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	11976 STATE ROUTE 38
City	CATO
State	NY
Zip	13033-8672
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM 84-147,84-162 INC 38.01-1-44.11, 44.3 AD 684-191, 1013-261
Legal Block	1
Legal Lot Number	44.031
Jurisdiction	CAYUGA NY
Township / Civil Division	VICTORY
Census Block Group	2
Census Block	2031
Census Tract	40101

Owner

Source: Cayuga County and Victory Town records · APN 056400 38.01-1-44.31

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	11976 STATE ROUTE 38, CATO, NY 13033-8672
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 05, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Mar 22, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	11976 STATE ROUTE 38, CATO, NY 13033-8672
Transaction Type	Mortgage
Record Updated	Jun 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004360/219
Date	Jun 05, 2023
Book Page	4360/219
Instrument	2023-222068

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Jul 01, 2028

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	11976 STATE ROUTE 38, CATO, NY 13033-8672
Transaction Type	Mortgage
Record Updated	Apr 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004336/203
Date	Mar 22, 2023
Book Page	4336/203
Instrument	2023-220604

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	61 Months
Due	Apr 01, 2028

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Victory Town
Unified School District	Red Creek 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	$2,057.00 (+1.73%) Homeowner's exemption Senior Citizen's exemption	$127,600 (-) Land $18,100 Building $109,500	$196,308 (+15.39%) Land $27,846 Building $168,462
2024	$2,022.00 (+4.98%)
2023		$127,600 Land $18,100 Building $109,500	$170,133 Land $24,133 Building $146,000
2020	$1,926.00

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

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 38 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	500 / 500
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

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

Mobile Coverage

5G and 4G LTE

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