148 Main St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 148 Main St, Moravia, NY 13118

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	11,776 sqft · built 1940
Lot Size	0.112 acres (4,919 sqft)
Owner	Individual Name on File
Last Sale	$52,000 (Aug 2011)
Tax Bill	$14,039 (2026)
Deeds & Mortgages	Jan 2018 Line of Credit Oct 2017 Transfer
Flood Zone	Zone AE (high risk)
APN	`054201 210.10-2-4`

Property Details

APN / Parcel Number

Primary APN	`054201 210.10-2-4`
Alternative APNs	`420121001000020040000000` `39014050`

Interior

Stories	3 Stories
Building Area	11,776 sqft Gross Area
Basement Area	3,648 sqft
Unfinished Basement	3,648 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Lot Area	4,919 sqft (0.112 acres)
Lot Dimensions	100 ft deep x 48.8 ft wide

Utilities, Heating & Cooling

Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39014050
Street Address	148 MAIN ST
City	MORAVIA
State	NY
Zip	13118
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	08 - GOVER
Legal Block	2
Legal Lot Number	4.000
Jurisdiction	CAYUGA NY
Township / Civil Division	MORAVIA
Census Block Group	2
Census Block	2035
Census Tract	40800

Owner

148 Main St, a commercial property, is owned by an individual who acquired it in February 2014.

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

Owner of Record	Individual Name on File
Mailing Address	46 W CAYUGA ST, MORAVIA, NY 13118-3432
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
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/GROTON
Oct 5, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2011 · Amount on File
Deed Sale	Aug 15, 2011 · Amount on File
Prior Sale	Dec 20, 2005 · Amount on File
Deed Document Number	2011118249
Deed Book / Page	1452 / 264
Last Transfer Date	Feb 17, 2014
Transfer Doc	0015400018
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	148 MAIN ST, MORAVIA, NY 13118
Document Number	0035880164
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 W CAYUGA ST MORAVIA NY 131183432, MORAVIA, NY 13118-3432

Mortgage

Document Number	0035880164
Date	Jan 31, 2018
Book Page	003588/000164
Instrument	177101

Lender

Name	FIRST NAT'L BK/GROTON
Type	Bank
Address	GROTON, NY 13073

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CAYUGA NY
Recording Date	Oct 5, 2017
Property Address	148 MAIN ST, MORAVIA, NY 13118
Document Number	001683/183
Book / Page	1683 / 183
Instrument Date	Sep 25, 2017
Instrument	2017-00174541
Transaction Type	Transfer
Record Updated	Apr 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 W CAYUGA ST, 46, MORAVIA, NY 13118-3432

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 W CAYUGA ST, MORAVIA, NY 13118-3432

Tax Assessment & Valuation

The 2026 property tax bill for 148 Main St was $14,039, down 41.7% 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	$14,039.00 (-41.69%)
2025	$24,075.00 (-8.32%)	$480,100 Land $25,200 Building $454,900	$527,582 Land $27,692 Building $499,890
2024	$26,261.00
2023		$480,100 Land $25,200 Building $454,900	$480,100 Land $25,200 Building $454,900
2020	$8,023.00

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

Flood

FEMA maps place 148 Main St in Zone AE, a high-risk flood area; 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	No
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 148 Main 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 272 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber · Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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