181 N Main St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 181 N Main St, Moravia, NY 13118

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,032 sqft · built 1949
Lot Size	0.358 acres (15,611 sqft)
Owner	2 Individual Names on Record
Tax Bill	$8,907 (2025)
Deeds & Mortgages	Jun 2021 Refinance Sep 2017 Line of Credit
Flood Zone	Zone A (high risk)
APN	`054201 210.09-1-30`

Property Details

APN / Parcel Number

Primary APN	`054201 210.09-1-30`
Alternative APNs	`420121000900010300000000` `39030020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,032 sqft Living Area
1st Floor Area	1,648 sqft
2nd Floor Area	1,384 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	15,611 sqft (0.358 acres)
Lot Dimensions	167 ft deep x 93.4 ft wide
Garage Type	Detached
Garage Area	760 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	1,176 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39030020
Street Address	181 N MAIN ST
City	MORAVIA
State	NY
Zip	13118-3529
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	S.M. 93-102 EAVES AGMT 872-162
Legal Block	1
Legal Lot Number	30.000
Jurisdiction	CAYUGA NY
Township / Civil Division	MORAVIA
Census Block Group	1
Census Block	1015
Census Tract	40800

Historic Designation

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

Historic District	Within the North Main Street Historic District listed 1993 · 45 contributing resources · NRIS 92001365

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

Owner

Source: Cayuga County and Moravia Town records, as of May 1, 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 Record
Mailing Address	181 N MAIN ST, MORAVIA, NY 13118-3529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Sep 6, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	181 N MAIN ST, MORAVIA, NY 13118-3529
Transaction Type	Mortgage
Record Updated	Jan 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004050/17
Date	Jun 1, 2021
Book Page	4050/17
Instrument	2021-204636

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	181 N MAIN ST, MORAVIA, NY 13118-3529
Document Number	0035560139
Book / Page	003556 / 000139
Instrument Date	Sep 6, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	181 N MAIN ST MORAVIA NY 131183529, MORAVIA, NY 13118-3529

Mortgage

Document Number	0035560139
Date	Sep 15, 2017
Book Page	003556/000139
Instrument	173995

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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
2025	$8,907.00 (-1.96%) Homeowner's exemption Senior Citizen's exemption	$349,600 (-) Land $25,800 Building $323,800	$384,176 (+9.89%) Land $28,352 Building $355,824
2024	$9,085.00 (+110.11%)
2023		$349,600 Land $25,800 Building $323,800	$349,600 Land $25,800 Building $323,800
2020	$4,324.00

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

Flood

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

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 65 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	65 in force
Nearby Flood Claims	11 (1996–2026)
Claims Outside the SFHA	1 of 11
Most Recent Claim	Apr 2026 · rainfall accumulation
Claims by Event	Flooding, Jul 2017 · 8 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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 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, T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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