Cayuga County and Cato Town property record for 3864 Titus Rd, Cato, NY 13033 · Last verified May 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,920 sqft · built 2016 |
| Lot Size | 136 acres (5,963,364 sqft) |
| Owner | Individual Name on File |
| Last Sale | $35,000 (Aug 2000) |
| Tax Bill | $7,031 (2025) |
| Deeds & Mortgages | May 2022 Refinance Jan 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 052489 47.00-1-15.111 |
| Primary APN | 052489 47.00-1-15.111 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,920 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| 2nd Floor Area | 640 sqft |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Other |
| Exterior Material | Other |
| Lot Area | 5,963,364 sqft (136 acres) |
| Garage Type | Attached |
| Garage Area | 1,920 sqft |
| Parking Spaces | 7 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 452 sqft |
| Porch | Slab |
| Canopy | 624 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 03096190 |
|---|---|
| Street Address | 3864 TITUS RD |
| City | CATO |
| State | NY |
| Zip | 13033-9793 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | REPUTED SALE OF 10 ACRES NO PROOF SUBMITTED |
| Legal Block | 1 |
| Legal Lot Number | 15.111 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | CATO |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 40201 |
Source: Cayuga County and Cato Town records · APN 052489 47.00-1-15.111
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 | Individual Name on File |
|---|---|
| Mailing Address | 3864 TITUS RD, CATO, NY 13033-9793 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance EMPOWER FCU |
| Jan 21, 2020 | Loan Modification, Mortgage · Conventional Mortgage EMPOWER FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 17, 2000 · Amount on Record |
| Deed Sale | Aug 17, 2000 · Amount on Record |
| Deed Book / Page | 1035 / 80 |
| Prior Transfer Date | Aug 10, 2000 |
| Prior Transfer Doc | 1035000080 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 3864 TITUS RD, CATO, NY 13033-9793 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 00004221/5 |
|---|---|
| Date | May 12, 2022 |
| Book Page | 4221/5 |
| Instrument | 2022-213725 |
| Name | EMPOWER FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jun 01, 2032 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 3864 TITUS RD, CATO, NY 13033-9793 |
| Document Number | 0038340147 |
| Instrument Date | Jan 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2020 |
| Title Company | OSWEGO VALLEY ABSTRACT CORPORATION, OSWEGO VLY ABSTRACT CORP |
| Name | Verified Name |
|---|---|
| Address | 3864 TITUS RD CATO NY 130339793, CATO, NY 13033-9793 |
| Document Number | 0038340147 |
|---|---|
| Date | Feb 05, 2020 |
| Book Page | 003834/000147 |
| Instrument | 193484 |
| Name | EMPOWER FCU |
|---|---|
| Address | SYRACUSE, NY 13212 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Feb 04, 2035 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3% |
Source: Cayuga County and Cato Town records · Assessment roll updated May 1, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Cato Town |
| Unified School District | Cato-Meridian Central School District (PK - 12) |
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 | $7,031.00 (-0.72%) Additional exemption filed | $239,500 (-) Land $110,000 Building $129,500 | $443,519 (+24.07%) Land $203,704 Building $239,815 |
| 2024 | $7,082.00 (+169.89%) | ||
| 2023 | $239,500 Land $110,000 Building $129,500 | $357,463 Land $164,179 Building $193,284 | |
| 2020 | $2,624.00 |
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
| 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 15 of 21 on primary residences |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
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