195 N Main St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 195 N Main St, Moravia, NY 13118

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,856 sqft · built 1900
Lot Size	0.292 acres (12,755 sqft)
Owner	Individual Name on Record
Last Sale	$137,000 (Jul 2022)
Tax Bill	$4,202 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone A (high risk)
APN	`054201 210.09-1-15.1`

Property Details

APN / Parcel Number

Primary APN	`054201 210.09-1-15.1`
Alternative APNs	`420121000900010150010000` `39030030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,856 sqft Living Area
1st Floor Area	1,232 sqft
Upper Floors Area	624 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1970
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	12,755 sqft (0.292 acres)
Lot Dimensions	154 ft deep x 82.5 ft wide
Porch	Slab
Porch Area	570 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	39030030
Street Address	195 N MAIN ST
City	MORAVIA
State	NY
Zip	13118-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Block	1
Legal Lot Number	15.001
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 September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	195 N MAIN ST, MORAVIA, NY 13118-3526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage TOMPKINS COMMUNITY BANK
Sep 17, 2021	Warranty Deed, Transfer
Aug 30, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Sep 17, 2021 · Amount on Record
Deed Document Number	2022215637
Deed Book / Page	4254 / 239
Prior Transfer Date	Jul 23, 2021
Prior Transfer Doc	004095/315
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Jul 28, 2022
Property Address	195 N MAIN ST, MORAVIA, NY 13118-3526
Document Number	004254/239
Book / Page	4254 / 239
Instrument Date	Jul 21, 2022
Instrument	2022-215637
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	7 PARK LN, LANSING, NY 14882-9041

Mortgage

Document Number	2022215638
Date	Jul 28, 2022
Instrument	2022-215638

Lender

Name	TOMPKINS COMMUNITY BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	004254/264
Date	Jul 28, 2022
Book Page	4254/264
Instrument	2022-215639

Lender

Name	TOMPKINS COMMUNITY BANK

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	61 Months
Due	Aug 1, 2027

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Sep 17, 2021
Property Address	195 N MAIN ST, MORAVIA, NY 13118-3526
Document Number	004105/132
Book / Page	4105 / 132
Instrument Date	Aug 27, 2021
Instrument	2021-207648
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Amount	Amount Recorded
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	3988 PIETY RIDGE RD, MARATHON, NY 13803-2904

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAYUGA NY
Recording Date	Aug 30, 2021
Property Address	195 N MAIN ST, MORAVIA, NY 13118-3526
Document Number	004095/315
Book / Page	4095 / 315
Instrument Date	Jul 23, 2021
Instrument	2021-207157
Transaction Type	Transfer
Record Updated	Mar 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1928 E SHORE DR, LANSING, NY 14882-8865

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
2026	$4,202.00 (+4.63%)
2025	$4,016.00 (+3.67%)	$143,700 (-) Land $25,200 Building $118,500	$157,912 (+9.89%) Land $27,692 Building $130,220
2024	$3,874.00 (+109.97%)
2023		$143,700 Land $25,200 Building $118,500	$143,700 Land $25,200 Building $118,500
2020	$1,845.00

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	Direct burnable vegetation

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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