2389 Christopher Dr, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 2389 Christopher Dr, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 2000
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Dec 2025)
Tax Bill	$5,818 (2026)
Deeds & Mortgages	Apr 2021 Refinance Mar 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052403 45.19-1-14.61`

Property Details

APN / Parcel Number

Primary APN	`052403 45.19-1-14.61`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2389 CHRISTOPHER DR
City	CATO
State	NY
Zip	13033-3376
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	14.061
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	3
Census Block	3012
Census Tract	40201

Owner

Source: Cayuga County and Cato Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	11952 STATE ROUTE 34, CATO, NY 13033-3325
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROYAL UNITED MORTGAGE LLC
Mar 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOANDEPOT.COM LLC
Dec 23, 2025	Warranty Deed, Transfer · Conventional Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Dec 6, 2024 · Amount on Record
Deed Document Number	2025240594
Deed Book / Page	4690 / 257
Prior Transfer Date	Aug 5, 2004
Prior Transfer Doc	1181000281
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	2389 CHRISTOPHER DR, CATO, NY 13033-3376
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004029/190
Date	Apr 15, 2021
Book Page	4029/190
Instrument	2021-203497

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company

Agreement

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

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	2389 CHRISTOPHER DR, CATO, NY 13033-3376
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004194/251
Date	Mar 15, 2022
Book Page	4194/251
Instrument	2022-212278

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Dec 23, 2025
Property Address	2389 CHRISTOPHER DR, CATO, NY 13033-3376
Document Number	004690/257
Book / Page	4690 / 257
Instrument Date	Dec 9, 2025
Instrument	2025-240594
Transaction Type	Transfer
Record Updated	Feb 4, 2026

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	11952 STATE ROUTE 34, CATO, NY 13033-3325

Mortgage

Document Number	2025240595
Date	Dec 23, 2025
Instrument	2025-240595

Lender

Name	TOGETHER CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2055

Tax Assessment & Valuation

Source: Cayuga County and Cato Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Cato Town
Municipality	Cato Village
Unified School District	Cato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,818.00 (-28.89%)
2025	$8,182.00 (+8.17%)	$135,000 (-) Land $19,000 Building $116,000	$250,000 (+11.11%) Land $35,185 Building $214,815
2024	$7,564.00 (+801.55%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$135,000 (-) Land $19,000 Building $116,000	$225,000 (+11.67%) Land $31,667 Building $193,333
2023		$135,000 Land $19,000 Building $116,000	$201,493 Land $28,358 Building $173,135
2020	$839.00

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2021)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2021 · 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

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	CATO VILLAGE serves 601 people · EPA ID NY0501715
Water Source	Groundwater
Last State Inspection	Oct 2021
Lead	Under 1 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	None 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier, Verizon.

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