PO BOX 214 MORAVIA NY 131180214, MORAVIA, NY 13118-0214
Mortgage
Document Number
0037640189
Date
Aug 29, 2019
Book Page
003764/000189
Instrument
189652
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
June 2017: Loan Modification, Consolidation and Extension, Mortgage
Document Type
Loan Modification, Consolidation and Extension
Jurisdiction
CAYUGA NY
Recording Date
Jun 6, 2017
Property Address
23 SMITH ST, MORAVIA, NY 13118-7704
Document Number
0035280110
Book / Page
003528 / 000110
Instrument Date
May 25, 2017
Instrument
171605
Transaction Type
Mortgage
Record Updated
Jan 14, 2020
Title Company
NOT AVAILABLE
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
PO BOX 214 MORAVIA NY 131180214, MORAVIA, NY 13118-0214
Mortgage
Document Number
35280110
Date
Jun 6, 2017
Book Page
003528/000110
Instrument
171605
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
Rate
4.5%
Tax Assessment & Valuation
The 2026 property tax bill for 23 Smith St was $4,345 with a homeowner's exemption, up 13.2% 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
$4,345.00 (+13.18%)Homeowner's exemption
2025
$3,839.00 (+4.75%)Homeowner's exemption
$148,600Land $25,500Building $123,100
$163,297Land $28,022Building $135,275
2024
$3,665.00
2023
$148,600Land $25,500Building $123,100
$148,600Land $25,500Building $123,100
2020
$1,636.00
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 23 Smith St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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
Nearest Special Flood Hazard Area
Zone AE, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
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 23 Smith 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 71 locations within half a mile, as of December 31, 2025