3975 Allen Rd, Cato, NY 13033 Property Records

Cayuga County and Ira Town property record for 3975 Allen Rd, Cato, NY 13033

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 1999
Lot Size	0.775 acres (33,788 sqft)
Owner	Individual Name on File
Last Sale	$125,900 (Jan 2012)
Tax Bill	$4,640 (2026)
Deeds & Mortgages	Apr 2023 Refinance Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`053289 41.00-1-28.3`

Property Details

APN / Parcel Number

Primary APN	`053289 41.00-1-28.3`
Alternative APN	`328904100000010280030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,508 sqft Living Area
1st Floor Area	1,508 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	33,788 sqft (0.775 acres)
Lot Dimensions	225 ft deep x 150 ft wide
Porch	Slab
Porch Area	352 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3975 ALLEN RD
City	CATO
State	NY
Zip	13033-8739
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07 - MIXED
Legal Description	P/O 41.00-1-28
Legal Block	1
Legal Lot Number	28.003
Jurisdiction	CAYUGA NY
Township / Civil Division	IRA
Census Block Group	2
Census Block	2027
Census Tract	40202

Owner

3975 Allen Rd is owned and occupied by an individual who bought it in January 2012.

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

Owner of Record	Individual Name on File
Mailing Address	3975 ALLEN RD, CATO, NY 13033-8739
Occupancy	Owner Occupied
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
Apr 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance US MORTGAGE
Feb 12, 2021	Deed of Trust, Mortgage · FHA Mortgage US MORTGAGE CORP
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2012 · Amount on File
Deed Sale	Jan 23, 2012 · Amount on File
Prior Sale	Apr 12, 2007 · Amount on File
Deed Document Number	2012122265
Deed Book / Page	1467 / 28
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3975 ALLEN RD, CATO, NY 13033-8739
Transaction Type	Mortgage
Record Updated	Apr 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004341/254
Date	Apr 6, 2023
Book Page	4341/254
Instrument	2023-220896

Lender

Name	US MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3975 ALLEN RD, CATO, NY 13033-8739
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0040000312
Date	Feb 12, 2021
Book Page	4000/312
Instrument	2021-202010

Lender

Name	US MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	3975 ALLEN RD, CATO, NY 13033-8739
Document Number	0036580091
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3975 ALLEN RD CATO NY 130338739, CATO, NY 13033-8739

Mortgage

Document Number	0036580091
Date	Nov 7, 2018
Book Page	003658/000091
Instrument	183250

Lender

Name	EMPOWER FCU
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 6, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3975 Allen Rd was $4,640 with a homeowner's exemption, up 12.9% 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	$4,640.00 (+12.87%) Homeowner's exemption
2025	$4,111.00 (-1.53%) Homeowner's exemption	$139,300 Land $14,500 Building $124,800	$217,656 Land $22,656 Building $195,000
2024	$4,175.00
2023	Homeowner's exemption	$139,300 Land $14,500 Building $124,800	$196,197 Land $20,423 Building $175,774

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3975 Allen 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 3975 Allen Rd is low, with less than 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 94% of the US · lower than 91% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 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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