12877 State Rte 176, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 12877 State Rte 176, Cato, NY 13033 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,700 sqft · built 2017
Lot Size	11.4 acres (496,584 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,565 (2025)
Deeds & Mortgages	Dec 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`053289 28.00-1-15.22`

Property Details

APN / Parcel Number

Primary APN	`053289 28.00-1-15.22`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,700 sqft Living Area
1st Floor Area	2,700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	496,584 sqft (11.4 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	368 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	12877 STATE ROUTE 176
City	CATO
State	NY
Zip	13033-3125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	15.022
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	2
Census Block	2009
Census Tract	40202

Owner

Source: Cayuga County and Ira Town records · APN 053289 28.00-1-15.22

Assessment roll updated May 1, 2026 · Last verified July 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	12877 STATE ROUTE 176, CATO, NY 13033-3125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	12877 STATE ROUTE 176, CATO, NY 13033-3125
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039750119
Date	Dec 14, 2020
Book Page	3975/119
Instrument	2020-200583

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	253 Months
Due	Jan 01, 2042

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Ira 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	$11,565.00 (-1.99%)	$360,100 (-) Land $30,000 Building $330,100	$562,656 (+10.94%) Land $46,875 Building $515,781
2024	$11,800.00
2023		$360,100 Land $30,000 Building $330,100	$507,183 Land $42,254 Building $464,929

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	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.