2649 Wise Rd, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 2649 Wise Rd, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,700 sqft · built 2012
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on Record
Last Sale	$127,000 (Mar 2021)
Tax Bill	$3,668 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`053289 40.00-1-35.12`

Property Details

APN / Parcel Number

Primary APN	`053289 40.00-1-35.12`
Alternative APN	`07059170`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,700 sqft Living Area
1st Floor Area	1,520 sqft
Upper Floors Area	180 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	87,120 sqft (2 acres)

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	07059170
Street Address	2649 WISE RD
City	CATO
State	NY
Zip	13033-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07 - MIXED
Legal Block	1
Legal Lot Number	35.012
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	1
Census Block	1022
Census Tract	40202

Owner

Source: Cayuga County and Ira 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	2649 WISE RD, CATO, NY 13033-9787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Line of Credit SOLVAY BANK
Mar 3, 2021	Warranty Deed, Transfer · FHA Mortgage COMMONFUND MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2021 · Amount on Record
Deed Sale	Mar 3, 2021 · Amount on Record
Prior Sale	Aug 19, 2014 · Amount on Record
Deed Document Number	2021202399
Deed Book / Page	4007 / 169
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	2649 WISE RD, CATO, NY 13033-9787
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004661/298
Date	Oct 3, 2025
Book Page	4661/298
Instrument	2025-238966

Lender

Name	SOLVAY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2050

Interest

Rate Type	Adjustable Rate

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Mar 3, 2021
Property Address	2649 WISE RD, CATO, NY 13033-9787
Document Number	004007/169
Book / Page	4007 / 169
Instrument Date	Mar 1, 2021
Instrument	2021-202399
Transaction Type	Transfer
Record Updated	Aug 19, 2022

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	25 SOUTH ST, MARCELLUS, NY 13108-1322
Investor	Possibly a Property Investor

Mortgage

Document Number	2021202400
Date	Mar 3, 2021
Instrument	2021-202400

Lender

Name	COMMONFUND MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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
Unified School District	Cato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,668.00 (+3.7%)
2025	$3,537.00 (-1.78%)	$111,000 (-) Land $19,500 Building $91,500	$173,438 (+10.94%) Land $30,469 Building $142,969
2024	$3,601.00
2023		$111,000 Land $19,500 Building $91,500	$156,338 Land $27,465 Building $128,873

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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Frontier.

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