Cayuga County and Sterling Town property record for 1601 Gray Rd, Sterling, NY 13156
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,066 sqft · built 2008 |
| Lot Size | 30.3 acres (1,319,868 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $7,754 (2026) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 055689 4.00-1-1.72 |
| Primary APN | 055689 4.00-1-1.72 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,066 sqft Living Area |
| 1st Floor Area | 1,060 sqft |
| 2nd Floor Area | 1,214 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,319,868 sqft (30.3 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pole Barn | Pole Barn |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1601 GRAY RD |
|---|---|
| City | STERLING |
| State | NY |
| Zip | 13156-3316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Subdivision | SAIDTOWN |
| Legal Block | 1 |
| Legal Lot Number | 1.072 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | STERLING |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 40102 |
1601 Gray Rd, a rural home, is owned and occupied by two individuals.
Source: Cayuga County and Sterling Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1601 GRAY RD, STERLING, NY 13156-3316 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 1601 GRAY RD, STERLING, NY 13156-3316 |
| Document Number | 0036450277 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2018 |
| Title Company | OSWEGO VALLEY ABSTRACT CORPORATION |
| Name | Verified Name |
|---|---|
| Address | 1601 GRAY RD STERLING NY 131563316, STERLING, NY 13156-3316 |
| Document Number | 0036450277 |
|---|---|
| Date | Oct 1, 2018 |
| Book Page | 003645/000277 |
| Instrument | 182390 |
| Name | PATHFINDER BK |
|---|---|
| Type | Bank |
| Address | OSWEGO, NY 13126 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Sep 30, 2038 |
| Rate | 5.75% |
|---|
The 2026 property tax bill for 1601 Gray Rd was $7,754 with a homeowner's exemption, up 46.5% from the year before.
Source: Cayuga County and Sterling Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Sterling Town |
| Unified School District | Hannibal Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,754.00 (+46.47%) Homeowner's exemption | ||
| 2025 | $5,294.00 (-29.83%) Homeowner's exemption Additional exemption filed | $419,100 Land $106,900 Building $312,200 | $419,100 Land $106,900 Building $312,200 |
| 2024 | $7,545.00 | ||
| 2023 | $222,800 Land $56,200 Building $166,600 | $348,125 Land $87,812 Building $260,313 | |
| 2019 | $2,470.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1601 Gray Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (2017–2019) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jun 2019 · river or lake flooding |
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 risk around 1601 Gray Rd 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Verizon.
5G (outdoors only) and 4G LTE
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