12 Smith St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 12 Smith St, Moravia, NY 13118

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 939 sqft · built 1900
Lot Size	0.074 acres (3,255 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Nov 2024)
Tax Bill	$3,161 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Apr 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`054201 210.10-2-36`

Property Details

APN / Parcel Number

Primary APN	`054201 210.10-2-36`
Alternative APNs	`420121001000020360000000` `39022140`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	939 sqft Living Area
1st Floor Area	595 sqft
Upper Floors Area	344 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	3,255 sqft (0.074 acres)
Lot Dimensions	119 ft deep x 27.2 ft wide
Garage Type	Detached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39022140
Street Address	12 SMITH ST
City	MORAVIA
State	NY
Zip	13118-7705
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	S.M. D. 761-234
Legal Block	2
Legal Lot Number	36.000
Jurisdiction	CAYUGA NY
Township / Civil Division	MORAVIA
Census Block Group	2
Census Block	2044
Census Tract	40800

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Church Street-Congress Street Historic District listed 1994 · 123 contributing resources · NRIS 92001364

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

12 Smith St is owned by an individual who bought it in November 2024.

Source: Cayuga County and Moravia Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1631 STATE ROUTE 38, MORAVIA, NY 13118
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CAYUGA LAKE NATIONAL BANK
Apr 22, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage CAYUGA LAKE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2024 · Amount on File
Deed Sale	Nov 6, 2024 · Amount on File
Prior Sale	Apr 22, 2019 · Amount on File
Deed Document Number	2024232361
Deed Book / Page	4543 / 291
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	12 SMITH ST, MORAVIA, NY 13118-7705
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004207/94
Date	Apr 12, 2022
Book Page	4207/94
Instrument	2022-212961

Lender

Name	CAYUGA LAKE NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Apr 22, 2019
Property Address	12 SMITH ST, MORAVIA, NY 13118-7705
Document Number	003713/302
Book / Page	3713 / 302
Instrument Date	Apr 22, 2019
Instrument	2019-186591
Transaction Type	Transfer
Record Updated	Apr 15, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
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
Address	50 CHURCH ST, MORAVIA, NY 13118-2315

Mortgage

Document Number	2019186592
Date	Apr 22, 2019
Instrument	2019-186592

Lender

Name	CAYUGA LAKE NATIONAL BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	0037130302
Date	Apr 22, 2019
Book Page	3713/302
Instrument	2019-186591

Lender

Name	CAYUGA LAKE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 12 Smith St was $3,161, up 4.6% from the year before.

Source: Cayuga County and Moravia Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Moravia Town
Municipality	Moravia Village
Unified School District	Moravia Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,161.00 (+4.63%)
2025	$3,021.00 (+3.67%)	$108,100 Land $25,100 Building $83,000	$118,791 Land $27,582 Building $91,209
2024	$2,914.00
2023		$108,100 Land $25,100 Building $83,000	$108,100 Land $25,100 Building $83,000
2020	$1,174.00

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

Flood

FEMA maps place 12 Smith St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	9 in force
Nearby Flood Claims	25 (1981–2021)
Claims Outside the SFHA	8 of 25
Most Recent Claim	Jul 2021 · rainfall accumulation
Claims by Event	Flooding, Jul 2017 · 7 claims Severe Storms And Flooding, Apr 2005 · 14 claims

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.

Wildfire

Wildfire risk around 12 Smith St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MORAVIA VILLAGE serves 1,950 people · EPA ID NY0501720
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000

May also be available: Spectrum, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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