4733 E Cayuga St, Locke, NY 13092 Property Records

Cayuga County and Locke Town property record for 4733 E Cayuga St, Locke, NY 13092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,847 sqft · built 1900
Lot Size	0.534 acres (23,290 sqft)
Owner	2 Individual Names on File
Last Sale	$44,066 (Nov 2015)
Tax Bill	$3,028 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone A (high risk)
APN	`053600 231.13-1-20`

Property Details

APN / Parcel Number

Primary APN	`053600 231.13-1-20`
Alternative APNs	`360023101300010200000000` `09024080`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,847 sqft Living Area
1st Floor Area	1,077 sqft
2nd Floor Area	770 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	23,290 sqft (0.534 acres)
Lot Dimensions	170 ft deep x 137 ft wide
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	09024080
Street Address	4733 E CAYUGA ST
City	LOCKE
State	NY
Zip	13092-3169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SM 70-186,89-100
Legal Subdivision	SURVEY FOR WILLIAM & CAROL ANN DUNKS
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	CAYUGA NY
Township / Civil Division	LOCKE
Census Block Group	4
Census Block	4005
Census Tract	40900

Owner

4733 E Cayuga St is owned and occupied by two individuals who bought it in November 2015.

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

Owner of Record	2 Individual Names on File
Mailing Address	4733 E CAYUGA ST, LOCKE, NY 13092-3169
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2015 · Amount on File
Deed Sale	Nov 3, 2015 · Amount on File
Prior Sale	Aug 27, 1996 · Amount on File
Deed Document Number	2015157333
Deed Book / Page	1603 / 274
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Recording Date	May 21, 2026
Property Address	4733 E CAYUGA ST, LOCKE, NY 13092-3169
Document Number	0000243323
Book / Page	4738 / 314
Instrument Date	May 21, 2026
Instrument	2026243323
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4733 E CAYUGA ST, LOCKE, NY 13092-3169

Mortgage

Document Number	0000243323,
Date	May 21, 2026
Book Page	4738/314
Instrument	2026243323

Lender

Name	FIRST NATIONAL BANK OF TN

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 4733 E Cayuga St was $3,028, up 2.1% from the year before.

Source: Cayuga County and Locke Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Locke Town
Unified School District	Moravia Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,028.00 (+2.06%)
2025	$2,967.00 (+5.1%)	$102,000 Land $15,300 Building $86,700	$143,662 Land $21,549 Building $122,113
2024	$2,823.00
2023		$102,000 Land $15,300 Building $86,700	$118,605 Land $17,791 Building $100,814
2020	$1,418.00

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

Flood

FEMA maps place 4733 E Cayuga St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 in force
Nearby Flood Claims	11 (1981–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Apr 2005 · 2 claims

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 4733 E Cayuga St 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	Direct burnable vegetation

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 System	LOCKE W D serves 600 people · EPA ID NY0501719
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable	1,000 / 25
Verizon Fiber	980 / 880

Cell Coverage

5G and 4G LTE (outdoors only)

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