Cayuga County and Auburn City property record for 38 Oak St, Auburn, NY 13021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,664 sqft · built 1971 |
| Lot Size | 0.238 acres (10,388 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $92,500 (Sep 2002) |
| Tax Bill | $4,075 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Sep 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 050100 122.44-1-8 |
| Primary APN | 050100 122.44-1-8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 1,376 sqft |
| Basement Area | 288 sqft |
| Finished Basement | 288 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,388 sqft (0.238 acres) |
| Lot Dimensions | 138 ft deep x 75 ft wide |
| Garage Type | Basement |
| Pool Type | Above-Ground Pool |
|---|---|
| Porch | Slab |
| Porch Area | 592 sqft |
| Patio Area | 312 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 255000400 |
|---|---|
| Street Address | 38 OAK ST |
| City | AUBURN |
| State | NY |
| Zip | 13021-5225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | MEADOW BROOK HTS 9 |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | AUBURN |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 41800 |
Source: Cayuga County and Auburn City 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 | Individual Name on Record |
|---|---|
| Mailing Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 21, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AUBURN COMMUNITY FEDERAL CREDIT UNION |
| Sep 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Sep 7, 2017 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2002 · Amount on Record |
| Deed Sale | Sep 16, 2002 · Amount on Record |
| Deed Book / Page | 1109 / 210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Apr 21, 2026 |
| Property Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Document Number | 0000242675 |
| Book / Page | 4727 / 252 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 2026242675 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | STEWART TITLE, STEWART TITLE GUARANTY COMPA |
| Name | Verified Name |
|---|---|
| Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Investor | Possibly a Property Investor |
| Document Number | 0000242675, |
|---|---|
| Date | Apr 21, 2026 |
| Book Page | 4727/252 |
| Instrument | 2026242675 |
| Name | AUBURN COMMUNITY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0041040155 |
|---|---|
| Date | Sep 16, 2021 |
| Book Page | 4104/155 |
| Instrument | 2021-207607 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Document Number | 0038030239 |
| Instrument Date | Nov 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 38 OAK ST AUBURN NY 130215225, AUBURN, NY 13021-5225 |
| Document Number | 0038030239 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 003803/000239 |
| Instrument | 191770 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 20, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 38 OAK ST, AUBURN, NY 13021-5225 |
| Document Number | 0035550205 |
| Book / Page | 003555 / 000205 |
| Instrument Date | Sep 7, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|---|
| Address | 38 OAK ST AUBURN NY 130215225, AUBURN, NY 13021-5225 |
| Document Number | 0035550205 |
|---|---|
| Date | Sep 13, 2017 |
| Book Page | 003555/000205 |
| Instrument | 173935 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 12, 2047 |
Source: Cayuga County and Auburn City assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| Municipality | Auburn City |
| Unified School District | Auburn City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,075.00 (+6.23%) Homeowner's exemption | ||
| 2025 | $3,836.00 (+6%) Homeowner's exemption | $175,600 (-) Land $21,200 Building $154,400 | $234,133 (+28%) Land $28,267 Building $205,866 |
| 2024 | $3,619.00 (+205.66%) | ||
| 2023 | $175,600 (-) Land $21,200 Building $154,400 | $182,917 (+4.17%) Land $22,083 Building $160,834 | |
| 2022 | $175,600 Land $21,200 Building $154,400 | $175,600 Land $21,200 Building $154,400 | |
| 2019 | $1,184.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AUBURN serves 27,179 people · EPA ID NY0501710 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2022 |
| Lead | 1 ppb (2024–2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 325 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures