3328 Lysander Rd, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 3328 Lysander Rd, Cato, NY 13033

Property Summary

Property Type	Seasonal / Vacation Home
Details	3 bd · 2 ba · 1,568 sqft · built 1996
Lot Size	11.1 acres (483,516 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Dec 2025)
Tax Bill	$2,865 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053289 35.00-1-28.7`

Property Details

APN / Parcel Number

Primary APN	`053289 35.00-1-28.7`
Alternative APN	`328903500000010280070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	483,516 sqft (11.1 acres)
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3328 LYSANDER RD
City	CATO
State	NY
Zip	13033-9743
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	07 - MIXED
Legal Description	SM 86-167, SMD 944-83 FORM 35-1-28.112 & 28.31 SMD 944-83 LOT E
Legal Block	1
Legal Lot Number	28.007
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	2
Census Block	2016
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	2 Individual Names on Record
Mailing Address	10125 JORDAN RD, CATO, NY 13033
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Deed of Trust, Mortgage SIDNEY FCU
Dec 4, 2025	Warranty Deed, Transfer · Conventional Mortgage SIDNEY FCU
Mar 15, 2024	Warranty Deed, Transfer · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Mar 15, 2024 · Amount on Record
Deed Document Number	2025240261
Deed Book / Page	4685 / 25
Prior Transfer Date	Feb 15, 2024
Prior Transfer Doc	004459/179
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3328 LYSANDER RD, CATO, NY 13033-9743
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004716/40
Date	Mar 12, 2026
Book Page	4716/40
Instrument	2026-242014

Lender

Name	SIDNEY FCU

Agreement

Amount	Amount Recorded
Term	229 Months
Due	Apr 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	6.8%
Type Change Date	Dec 1, 2030
Index	5-Year CMT

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Dec 4, 2025
Property Address	3328 LYSANDER RD, CATO, NY 13033-9743
Document Number	0004685/25
Book / Page	4685 / 25
Instrument Date	Nov 21, 2025
Instrument	2025-240261
Transaction Type	Transfer
Record Updated	Dec 31, 2025

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	10125 JORDAN RD, CATO, NY 13033

Mortgage

Document Number	2025240262
Date	Dec 4, 2025
Instrument	2025-240262

Lender

Name	SIDNEY FCU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	229 Months
Due	Jan 1, 2045

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Mar 15, 2024
Property Address	3328 LYSANDER RD, CATO, NY 13033-9743
Document Number	004459/179
Book / Page	4459 / 179
Instrument Date	Feb 15, 2024
Instrument	2024-227676
Transaction Type	Transfer
Record Updated	Apr 9, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3328 LYSANDER RD, CATO, NY 13033-9743

Mortgage

Document Number	004459/183
Date	Mar 15, 2024
Book Page	4459/183
Instrument	2024-227678

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

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	$2,865.00 (+19.38%) Homeowner's exemption
2025	$2,400.00 (-1.15%) Homeowner's exemption	$86,000 (-) Land $31,300 Building $54,700	$134,375 (+9.38%) Land $48,906 Building $85,469
2024	$2,428.00 Homeowner's exemption	$86,000 (-) Land $31,300 Building $54,700	$122,857 (+1.43%) Land $44,714 Building $78,143
2023	Homeowner's exemption	$86,000 Land $31,300 Building $54,700	$121,127 Land $44,085 Building $77,042

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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