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392 Cayuga Dr, Waterloo, NY 13165 Property Records

Seneca County and Waterloo Town property record for 392 Cayuga Dr, Waterloo, NY 13165

Property Summary

Property TypeMobile Home
Details960 sqft · built 1991
Lot Size0.34 acres (14,810 sqft)
OwnerIndividual Name on Record
Last Sale$117,010 (Dec 2024)
Tax Bill$2,196 (2026)
Deeds & MortgagesDec 2024 Sale & Refinance
Jul 2024 Sale
APN453889 26-2-01

Property Details

APN / Parcel Number

Primary APN453889 26-2-01
Alternative APN
  • 388902600000020100000000

Interior

Building Area960 sqft Living Area

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Architectural StyleMobile Home
Lot Area14,810 sqft (0.34 acres)
Lot Dimensions50 ft deep x 150 ft wide
Garage TypeDetached
Garage Area1,924 sqft
Parking Spaces7 Parking Spaces

Utilities, Heating & Cooling

Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address392 CAYUGA DR
CityWATERLOO
StateNY
Zip13165-9730
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning Code02 - SINGL
Legal Block2
Legal Lot Number1.000
JurisdictionSENECA NY
Township / Civil DivisionWATERLOO
Census Block Group2
Census Block2031
Census Tract950600

Owner

Source: Seneca County and Waterloo Town 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 RecordIndividual Name on Record
Mailing Address189 GENESEE ST, 2, GENEVA, NY 14456-2320
Owner TypeIndividual
VestingIndividual(s)

Deeds, Mortgages & Sale History

DateDocument
Dec 27, 2024Warranty Deed, Transfer · Stand-Alone Refinance
TOMPKINS COMMUNITY BANK
Jul 8, 2024Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 27, 2024 · Amount on Record
Deed SaleDec 27, 2024 · Amount on Record
Prior SaleSep 28, 2001 · Amount on Record
Deed Book / Page1113 / 77
Prior Transfer DateJul 2, 2024
Prior Transfer Doc001101/287
Record UpdatedOct 29, 2026

December 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateDec 27, 2024
Property Address392 CAYUGA DR, WATERLOO, NY 13165-9730
Document Number0001113/77
Book / Page1113 / 77
Instrument DateDec 4, 2024
Instrument68977
Transaction TypeTransfer
Record UpdatedJan 13, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address189 GENESEE ST # 2, 2, GENEVA, NY 14456-2320

Mortgage

Document Number0001944/61
DateDec 27, 2024
Book Page1944/61
Instrument68978
Lender
NameTOMPKINS COMMUNITY BANK
Agreement
TypeStand-Alone Refinance
AmountAmount Recorded
Term361 Months
DueJan 1, 2055

July 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSENECA NY
Recording DateJul 8, 2024
Property Address392 CAYUGA DR, WATERLOO, NY 13165-9730
Document Number001101/287
Book / Page1101 / 287
Instrument DateJul 2, 2024
Instrument67054
Transaction TypeTransfer
Record UpdatedJan 13, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address19 CHERRY ST # 1, 1, GENEVA, NY 14456-1605

Tax Assessment & Valuation

Source: Seneca County and Waterloo Town assessment roll, as of May 14, 2026

Property Jurisdictions

TypeName
StateNew York
CountySeneca County
County SubdivisionWaterloo Town
Unified School DistrictWaterloo Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,196.00 (+20.59%)
2025$1,821.00 (+158.66%)$63,700 (+14.16%) Land $9,700 Building $54,000$104,426 (+27.19%) Land $15,902 Building $88,524
2024$704.00 (+10.69%) Homeowner's exemption Senior Citizen's exemption$55,800 (-) Land $6,300 Building $49,500$82,100 (+4.46%) Land $9,269 Building $72,831
2023$55,800 Land $6,300 Building $49,500$78,592 Land $8,873 Building $69,719
2019$636.00

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneNot on file
Nearby Flood Policies6 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 96% of the US · lower than 95% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOWN OF WATERLOO WATER DISTRICT
serves 250 people · EPA ID NY4940015
Water SourcePurchased surface water from WATERLOO VILLAGE
Last State InspectionNov 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
CBN
Fixed Wireless · not low latency		100 / 100

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