3584 State Rte 370, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 3584 State Rte 370, Cato, NY 13033 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,370 sqft · built 1930
Lot Size	1.29 acres (56,311 sqft)
Owner	2 Individual Names on File
Tax Bill	$959 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`052489 47.00-1-45`

Property Details

APN / Parcel Number

Primary APN	`052489 47.00-1-45`
Alternative APNs	`248904700000010450000000` `03087050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,370 sqft Living Area
1st Floor Area	1,100 sqft
Upper Floors Area	150 sqft
Attic	Attic
Attic Area	120 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	56,311 sqft (1.29 acres)
Lot Dimensions	316 ft deep x 178 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03087050
Street Address	3584 STATE ROUTE 370
City	CATO
State	NY
Zip	13033-3336
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM HH-28
Legal Block	1
Legal Lot Number	45.000
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	1
Census Block	1006
Census Tract	40201

Owner

Source: Cayuga County and Cato Town records · APN 052489 47.00-1-45

Assessment roll updated May 1, 2026 · Last verified May 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 File
Mailing Address	3584 STATE ROUTE 370, CATO, NY 13033-3336
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3584 STATE ROUTE 370, CATO, NY 13033-3336
Transaction Type	Mortgage
Record Updated	Aug 01, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004371/286
Date	Jul 07, 2023
Book Page	4371/286
Instrument	2023-222716

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Cayuga County and Cato Town records · Assessment roll updated May 1, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Cato Town
Unified School District	Cato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$959.00 (+9.98%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$64,000 (-) Land $14,800 Building $49,200	$118,519 (+24.08%) Land $27,408 Building $91,111
2024	$872.00 (+29.96%)
2023		$64,000 Land $14,800 Building $49,200	$95,522 Land $22,089 Building $73,433
2020	$671.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cayuga County (36011C), updated April 30, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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