232 N Main St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 232 N Main St, Moravia, NY 13118

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,128 sqft · built 1917
Lot Size	0.812 acres (35,379 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Dec 2025)
Tax Bill	$4,019 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054201 210.06-1-2`

Property Details

APN / Parcel Number

Primary APN	`054201 210.06-1-2`
Alternative APNs	`420121000600010020000000` `39007040`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,128 sqft Living Area
1st Floor Area	732 sqft
Upper Floors Area	396 sqft

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1965
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	35,379 sqft (0.812 acres)
Lot Dimensions	174 ft deep x 203 ft wide
Garage Type	Detached
Garage Area	792 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	472 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39007040
Street Address	232 N MAIN ST
City	MORAVIA
State	NY
Zip	13118-3516
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	SM 76-262 SMD 742-289, 785-223
Legal Block	1
Legal Lot Number	2.000
Jurisdiction	CAYUGA NY
Township / Civil Division	MORAVIA
Census Block Group	1
Census Block	1055
Census Tract	40800

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	2656 QUICKSILVER DR, AUBURN, NY 13021-9744
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICU CU
May 23, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage LYONS SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2025 · Amount on Record
Deed Sale	Dec 9, 2025 · Amount on Record
Prior Sale	May 23, 2023 · Amount on Record
Deed Document Number	2025240344
Deed Book / Page	4686 / 95
Prior Transfer Date	Jun 14, 1999
Prior Transfer Doc	1008000009
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Dec 9, 2025
Property Address	232 N MAIN ST, MORAVIA, NY 13118-3516
Document Number	0004686/95
Book / Page	4686 / 95
Instrument Date	Dec 8, 2025
Instrument	2025-240344
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	2656 QUICKSILVER DR, AUBURN, NY 13021-9744

Mortgage

Document Number	2025240345
Date	Dec 9, 2025
Instrument	2025-240345

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	May 23, 2023
Property Address	232 N MAIN ST, MORAVIA, NY 13118-3516
Document Number	004356/255
Book / Page	4356 / 255
Instrument Date	May 23, 2023
Instrument	2023-221834
Transaction Type	Transfer
Record Updated	Mar 12, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	4888 ROCKEFELLER RD, AUBURN, NY 13021-9632

Mortgage

Document Number	2023221835
Date	May 23, 2023
Instrument	2023-221835

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$4,019.00 (+3.66%)	$143,800 (-) Land $27,400 Building $116,400	$158,022 (+4.4%) Land $30,110 Building $127,912
2024	$3,877.00 (+188.25%)	$143,800 (-) Land $27,400 Building $116,400	$151,368 (+5.26%) Land $28,842 Building $122,526
2023		$143,800 (+137.69%) Land $27,400 Building $116,400	$143,800 (+56.87%) Land $27,400 Building $116,400
2022		$60,500 Land $16,300 Building $44,200	$91,667 Land $24,697 Building $66,970
2020	$1,345.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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