3663 Lloyd Rd, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 3663 Lloyd Rd, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1999
Lot Size	2 acres (87,120 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Apr 2025)
Tax Bill	$2,605 (2026)
Deeds & Mortgages	May 2022 Refinance Jan 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`053289 35.00-1-44.2`

Property Details

APN / Parcel Number

Primary APN	`053289 35.00-1-44.2`
Alternative APN	`328903500000010440020000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	87,120 sqft (2 acres)
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	3663 LLOYD RD
City	CATO
State	NY
Zip	13033-8755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07 - MIXED
Legal Block	1
Legal Lot Number	44.002
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	2
Census Block	2023
Census Tract	40202

Owner

3663 Lloyd Rd is owned by an individual who bought it in April 2025.

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

Owner of Record	Individual Name on File
Mailing Address	8044 THURSTON DR, CICERO, NY 13039-9033
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
May 11, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance QUANTUM FUNDING OF NY LLC
Jan 13, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 25, 2018	Quit Claim Deed, Transfer DEAN D CUMMINS
Sep 21, 2017	Quit Claim Deed, Transfer Quitclaim
May 30, 2017	Tax Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2025 · Amount on File
Deed Sale	Apr 2, 2025 · Amount on File
Prior Sale	Jun 25, 2018 · Amount on File
Deed Document Number	2025235137
Deed Book / Page	4591 / 322
Prior Transfer Date	Jan 5, 2022
Prior Transfer Doc	004168/240
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3663 LLOYD RD, CATO, NY 13033-8755
Transaction Type	Mortgage
Record Updated	Jun 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004220/333
Date	May 11, 2022
Book Page	4220/333
Instrument	2022-213720

Lender

Name	QUANTUM FUNDING OF NY LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	49 Months
Due	Jun 1, 2026

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAYUGA NY
Recording Date	Jan 13, 2022
Property Address	3663 LLOYD RD, CATO, NY 13033-8755
Document Number	004168/240
Book / Page	4168 / 240
Instrument Date	Jan 5, 2022
Instrument	2022-210881
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3663 LLOYD RD, CATO, NY 13033-8755

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAYUGA NY
Recording Date	Jun 25, 2018
Property Address	3663 LLOYD RD, CATO, NY 13033-8755
Document Number	0017080172
Book / Page	001708 / 000172
Instrument Date	Jun 22, 2018
Instrument	180136
Transaction Type	Transfer
Record Updated	Jul 9, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	469 COUNTY ROUTE 8 FULTON NY 130694742, FULTON, NY 13069-4742

Mortgage

Document Number	36200212
Date	Jun 25, 2018
Book Page	003620/000212
Instrument	180137

Lender

Name	DEAN D CUMMINS
Address	3125 STATE ROUTE 370, CATO, NY 13033-3406
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	84 Months
Due	Jun 24, 2025

Interest

Rate	11%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CAYUGA NY
Recording Date	Sep 21, 2017
Property Address	3663 LLOYD RD, CATO, NY 13033-8755
Document Number	0016810277
Book / Page	001681 / 000277
Instrument Date	Sep 18, 2017
Instrument	174171
Transaction Type	Transfer
Record Updated	Oct 2, 2017

Transaction

Amount	Amount on Record
Tax	$18.00
Amount Accuracy	Confirmed
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3125 STATE ROUTE 370 CATO NY 130333406, CATO, NY 13033-3406

May 2017: Tax Deed, Transfer

Document Type	Tax Deed
Jurisdiction	CAYUGA NY
Recording Date	May 30, 2017
Property Address	3663 LLOYD RD, CATO, NY 13033-8755
Document Number	0016700092
Book / Page	001670 / 000092
Instrument Date	May 30, 2017
Instrument	171460
Transaction Type	Transfer
Record Updated	Aug 1, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	160 GENESEE ST AUBURN NY 130213424, AUBURN, NY 13021-3424

Tax Assessment & Valuation

The 2026 property tax bill for 3663 Lloyd Rd was $2,605, up 3.7% 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
Unified School District	Cato-Meridian Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,605.00 (+3.74%)
2025	$2,511.00 (-1.99%)	$78,200 Land $19,500 Building $58,700	$122,188 Land $30,469 Building $91,719
2024	$2,562.00
2023		$78,200 Land $19,500 Building $58,700	$110,141 Land $27,465 Building $82,676

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

FEMA maps place 3663 Lloyd Rd 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 3663 Lloyd Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

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