3099 State Rte 370, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 3099 State Rte 370, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,716 sqft · built 1862
Lot Size	0.295 acres (12,877 sqft)
Owner	Individual Name on File
Last Sale	$89,900 (Jan 2021)
Tax Bill	$2,576 (2026)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`052401 46.19-2-8`

Property Details

APN / Parcel Number

Primary APN	`052401 46.19-2-8`
Alternative APNs	`240104601900020080000000` `38034010`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,716 sqft Living Area
1st Floor Area	1,124 sqft
2nd Floor Area	592 sqft

Exterior

Year Built	Built 1862
Effective Year Built	Effective 1862
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	12,877 sqft (0.295 acres)
Lot Dimensions	131 ft deep x 98.3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	38034010
Street Address	3099 STATE ROUTE 370
City	CATO
State	NY
Zip	13033-9710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM GG-19
Legal Block	2
Legal Lot Number	8.000
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	2
Census Block	2001
Census Tract	40201

Owner

3099 State Rte 370 is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	3099 STATE ROUTE 370, CATO, NY 13033-9710
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2021 · Amount on File
Deed Sale	Jan 15, 2021 · Amount on File
Prior Sale	Jul 14, 2008 · Amount on File
Deed Document Number	2021201387
Deed Book / Page	3989 / 255
Record Updated	Oct 29, 2026

January 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CAYUGA NY
Recording Date	Jan 15, 2021
Property Address	3099 STATE ROUTE 370, CATO, NY 13033-9710
Document Number	0039890255
Book / Page	003989 / 000255
Instrument Date	Dec 17, 2020
Instrument	201387
Transaction Type	Transfer
Record Updated	Mar 24, 2021
Title Company	OWASCO ABSTRACT

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 PAINTER HILL RD OXFORD NY 138303218, OXFORD, NY 13830-3218

Mortgage

Document Number	39890258
Date	Jan 15, 2021
Book Page	003989/000258
Instrument	201388

Lender

Name	EMPOWER FCU
Address	SYRACUSE, NY 13212

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 14, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 3099 State Rte 370 was $2,576, up 2% from the year before.

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,576.00 (+2.02%)
2025	$2,525.00 (+1.61%)	$65,000 Land $8,000 Building $57,000	$120,370 Land $14,815 Building $105,555
2024	$2,485.00
2023		$65,000 Land $8,000 Building $57,000	$97,015 Land $11,940 Building $85,075
2020	$299.00

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

Flood

FEMA maps place 3099 State Rte 370 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3099 State Rte 370 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	DUDLEY WATER SUPPLY private · serves 200 people · EPA ID NY0501736
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	2 ppb (2021–2023) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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