11995 State Rte 38, Cato, NY 13033 Property Records

Cayuga County and Victory Town property record for 11995 State Rte 38, Cato, NY 13033 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,024 sqft · built 1951
Lot Size	4.2 acres (182,952 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Aug 2019)
Tax Bill	$1,965 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`056400 38.01-1-5`

Property Details

APN / Parcel Number

Primary APN	`056400 38.01-1-5`
Alternative APNs	`640003800100010050000000` `23034010`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,024 sqft Living Area
1st Floor Area	2,024 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	182,952 sqft (4.2 acres)
Garage Type	Basement
Porch	Slab
Porch Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	23034010
Street Address	11995 STATE ROUTE 38
City	CATO
State	NY
Zip	13033-9649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM 74-40,AD 637-30 INC 38.01-1-5,6
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	CAYUGA NY
Township / Civil Division	VICTORY
Census Block Group	2
Census Block	2017
Census Tract	40101

Owner

Source: Cayuga County and Victory Town records · APN 056400 38.01-1-5

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

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

Owner of Record	Individual Name on File
Mailing Address	11995 STATE ROUTE 38, CATO, NY 13033-9649
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 07, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Apr 07, 2026	Deed of Trust · Conventional Mortgage NEWREZ LLC
Aug 09, 2019	Warranty Deed, Transfer · FHA Mortgage COMMONFUND MTG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 09, 2019 · Amount on Record
Deed Sale	Aug 09, 2019 · Amount on Record
Prior Sale	Jul 26, 2011 · Amount on Record
Deed Document Number	2019189155
Deed Book / Page	3756 / 119
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Recording Date	Apr 07, 2026
Property Address	11995 STATE ROUTE 38, CATO, NY 13033-9649
Document Number	004722/157
Book / Page	4722 / 157
Instrument Date	Apr 01, 2026
Instrument	2026242394
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11995 STATE ROUTE 38, CATO, NY 13033-9649

Mortgage

Document Number	0000242394,
Date	Apr 07, 2026
Book Page	4722/157
Instrument	2026242394

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Recording Date	Apr 07, 2026
Property Address	11995 STATE ROUTE 38, CATO, NY 13033-9649
Document Number	0000242394
Book / Page	4722 / 157
Instrument Date	Apr 01, 2026
Instrument	2026242394
Record Updated	Apr 16, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11995 STATE ROUTE 38, CATO, NY 13033-9649

Mortgage

Document Number	0000242394,
Date	Apr 07, 2026
Book Page	4722/157
Instrument	2026242394

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Aug 09, 2019
Property Address	11995 STATE ROUTE 38, CATO, NY 13033-9649
Document Number	0037560119
Book / Page	003756 / 000119
Instrument Date	Aug 09, 2019
Instrument	189155
Transaction Type	Transfer
Record Updated	Aug 20, 2019
Title Company	OWASCO ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	37-39 STEEL ST AUBURN NY 130213931, AUBURN, NY 13021-3931

Mortgage

Document Number	37560122
Date	Aug 09, 2019
Book Page	003756/000122
Instrument	189156

Lender

Name	COMMONFUND MTG
Type	Mortgage Company
Address	SYRACUSE, NY 13204

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 08, 2049

Tax Assessment & Valuation

Source: Cayuga County and Victory Town records · Assessment roll updated May 1, 2026 · Last verified June 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	$1,965.00 (+1.76%)	$121,700 (-) Land $22,400 Building $99,300	$187,231 (+15.38%) Land $34,462 Building $152,769
2024	$1,931.00 (+6.45%)
2023		$121,700 Land $22,400 Building $99,300	$162,267 Land $29,867 Building $132,400
2020	$1,814.00

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

Nearby Properties on State Rte 38

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures