2460 W Main St, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 2460 W Main St, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 960 sqft · built 1968
Lot Size	0.893 acres (38,920 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jan 2026)
Tax Bill	$2,991 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`052403 45.20-1-5`

Property Details

APN / Parcel Number

Primary APN	`052403 45.20-1-5`
Alternative APN	`43015010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	200 sqft
Finished Basement	200 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	38,920 sqft (0.893 acres)
Lot Dimensions	278 ft deep x 140 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	43015010
Street Address	2460 W MAIN ST
City	CATO
State	NY
Zip	13033-3171
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	3
Census Block	3005
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	2 Individual Names on Record
Mailing Address	209 DUNHAM RD, MARTVILLE, NY 13111-3130
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jan 15, 2026	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU
Sep 19, 2023	Deed, Transfer
Sep 20, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Deed Document Number	2026241014
Deed Book / Page	4698 / 204
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Jan 15, 2026
Property Address	2460 W MAIN ST, CATO, NY 13033-3171
Document Number	004698/204
Book / Page	4698 / 204
Instrument Date	Dec 15, 2025
Instrument	2026-241014
Transaction Type	Transfer
Record Updated	Feb 18, 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	209 DUNHAM RD, MARTVILLE, NY 13111-3130

Mortgage

Document Number	2026241015
Date	Jan 15, 2026
Instrument	2026-241015

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

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

September 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	CAYUGA NY
Recording Date	Sep 19, 2023
Property Address	2460 W MAIN ST, CATO, NY 13033-3171
Document Number	004396/101
Book / Page	4396 / 101
Instrument Date	Sep 12, 2023
Instrument	2023-224201
Transaction Type	Transfer
Record Updated	Mar 12, 2024

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
Relationship	Tenants by the Entirety
Address	10525 SPOOK WOODS RD, PORT BYRON, NY 13140-9434

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	CAYUGA NY
Recording Date	Sep 20, 2022
Property Address	2460 W MAIN ST, CATO, NY 13033-3171
Document Number	0004274/27
Book / Page	4274 / 27
Instrument Date	Sep 19, 2022
Instrument	2022-216832
Transaction Type	Transfer
Record Updated	Mar 12, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	29 HAVENS AVE, AUBURN, NY 13021-4215

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	$2,991.00 (+4.11%)
2025	$2,873.00 (+7.72%)	$69,400 (-) Land $11,900 Building $57,500	$128,519 (+11.11%) Land $22,037 Building $106,482
2024	$2,667.00 (+575.19%)	$69,400 (-) Land $11,900 Building $57,500	$115,667 (+11.67%) Land $19,833 Building $95,834
2023		$69,400 (-) Land $11,900 Building $57,500	$103,582 (+13.43%) Land $17,761 Building $85,821
2022		$69,400 Land $11,900 Building $57,500	$91,316 Land $15,658 Building $75,658
2020	$395.00

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
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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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