2587 E Main St, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 2587 E Main St, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,064 sqft · built 1850
Lot Size	0.866 acres (37,736 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Dec 2003)
Tax Bill	$4,979 (2026)
Deeds & Mortgages	Jun 2022 Refinance Aug 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053201 45.16-2-40`

Property Details

APN / Parcel Number

Primary APN	`053201 45.16-2-40`
Alternative APNs	`320104501600020400000000` `34003110`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,064 sqft Living Area
1st Floor Area	1,524 sqft
2nd Floor Area	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1960
Architectural Style	Traditional
Exterior Material	Stone
Lot Area	37,736 sqft (0.866 acres)
Lot Dimensions	235 ft deep x 160 ft wide
Garage Type	Basement
Porch	Porch
Porch Area	232 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	34003110
Street Address	2587 E MAIN ST
City	CATO
State	NY
Zip	13033-3150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	SM H-56
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	1
Census Block	1045
Census Tract	40202

Owner

2587 E Main St is owned and occupied by an individual who acquired it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2587 E MAIN ST, CATO, NY 13033-3150
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance CAYUGA LAKE NATIONAL BANK
Aug 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Oct 5, 2017	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2003 · Amount on File
Deed Sale	Dec 4, 2003 · Amount on File
Deed Book / Page	1155 / 315
Last Transfer Date	Aug 4, 2020
Transfer Doc	003905/301
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	2587 E MAIN ST, CATO, NY 13033-3150
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004240/165
Date	Jun 27, 2022
Book Page	4240/165
Instrument	2022-214778

Lender

Name	CAYUGA LAKE NATIONAL BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2037

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAYUGA NY
Recording Date	Aug 7, 2020
Property Address	2587 E MAIN ST, CATO, NY 13033-3150
Document Number	0039050301
Book / Page	003905 / 000301
Instrument Date	Aug 4, 2020
Instrument	197086
Transaction Type	Transfer
Record Updated	Sep 30, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2587 E MAIN ST CATO NY 130333150, CATO, NY 13033-3150

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	2587 E MAIN ST, CATO, NY 13033-3150
Document Number	0035640231
Book / Page	003564 / 000231
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2587 E MAIN ST CATO NY 130333150, CATO, NY 13033-3150

Mortgage

Document Number	0035640231
Date	Oct 17, 2017
Book Page	003564/000231
Instrument	174809

Lender

Name	EMPOWER FCU
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2587 E Main St was $4,979 with a homeowner's exemption, up 12.1% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Ira 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	$4,979.00 (+12.06%) Homeowner's exemption
2025	$4,443.00 (-1.86%) Homeowner's exemption	$130,300 Land $20,200 Building $110,100	$203,594 Land $31,563 Building $172,031
2024	$4,527.00
2023		$130,300 Land $20,200 Building $110,100	$183,521 Land $28,451 Building $155,070
2020	$810.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2587 E Main St in Zone X, an area of minimal flood risk.

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

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 2587 E Main 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	Direct burnable vegetation

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.

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