3699 State Rte 370, Cato, NY 13033 Property Records

Cayuga County and Cato Town property record for 3699 State Rte 370, Cato, NY 13033 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,362 sqft · built 1992
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on File
Last Sale	$56,000 (Aug 2003)
Tax Bill	$2,330 (2025)
Deeds & Mortgages	Nov 2019 Refinance
Flood Zone	Zone X (minimal risk)
APN	`052489 47.00-1-48.11`

Property Details

APN / Parcel Number

Primary APN	`052489 47.00-1-48.11`
Alternative APNs	`248904700000010480110000` `03083080`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,362 sqft Living Area
1st Floor Area	912 sqft
Basement Area	450 sqft
Finished Basement	450 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	91,476 sqft (2.1 acres)
Garage Type	Basement
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	03083080
Street Address	3699 STATE ROUTE 370
City	CATO
State	NY
Zip	13033-8717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM 85-115,85-226
Legal Block	1
Legal Lot Number	48.011
Jurisdiction	CAYUGA NY
Township / Civil Division	CATO
Census Block Group	1
Census Block	1002
Census Tract	40201

Owner

Source: Cayuga County and Cato Town records · APN 052489 47.00-1-48.11

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	3699 STATE ROUTE 370, CATO, NY 13033-8717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 13, 2003 · Amount on Record
Deed Sale	Aug 13, 2003 · Amount on Record
Deed Book / Page	1140 / 132
Record Updated	Jun 08, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3699 STATE ROUTE 370, CATO, NY 13033-8717
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0037950061
Date	Nov 04, 2019
Book Page	3795/61
Instrument	2019-191323

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Dec 01, 2034

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	$2,330.00 (+3.93%) Homeowner's exemption	$77,000 (-) Land $17,200 Building $59,800	$142,593 (+24.07%) Land $31,852 Building $110,741
2024	$2,242.00 (-3.11%)
2023		$77,000 Land $17,200 Building $59,800	$114,925 Land $25,672 Building $89,253
2020	$2,314.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cayuga County (36011C), updated April 30, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360110402011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	21 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.