Cayuga County and Moravia Town property record for 55 Central St, Moravia, NY 13118
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,624 sqft · built 1850 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,000 (Apr 2003) |
| Tax Bill | $1,991 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 054201 210.13-1-10 |
| Primary APN | 054201 210.13-1-10 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Living Area |
| 1st Floor Area | 844 sqft |
| 2nd Floor Area | 780 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 13,068 sqft (0.3 acres) |
| Lot Dimensions | 198 ft deep x 66 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 96 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 39032140 |
|---|---|
| Street Address | 55 CENTRAL ST |
| City | MORAVIA |
| State | NY |
| Zip | 13118-7709 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | SMD 750-224, 1129-221 |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | MORAVIA |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 40800 |
55 Central St is owned and occupied by an individual who bought it in April 2003.
Source: Cayuga County and Moravia Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 283, MORAVIA, NY 13118-0283 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 28, 2003 · Amount on File |
| Deed Sale | Apr 28, 2003 · Amount on File |
| Deed Book / Page | 1129 / 218 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Apr 15, 2026 |
| Property Address | 55 CENTRAL ST, MORAVIA, NY 13118-7709 |
| Document Number | 0000242564 |
| Book / Page | 4725 / 146 |
| Instrument Date | Mar 24, 2026 |
| Instrument | 2026242564 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | INDEPENDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 55 CENTRAL ST, MORAVIA, NY 13118-7709 |
| Document Number | 0000242564, |
|---|---|
| Date | Apr 15, 2026 |
| Book Page | 4725/146 |
| Instrument | 2026242564 |
| Name | COMMUNITY BANK LENA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate | 5.98% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 55 Central St was $1,991 with a homeowner's exemption, up 25.3% from the year before.
Source: Cayuga County and Moravia Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Moravia Town |
| Municipality | Moravia Village |
| Unified School District | Moravia Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,991.00 (+25.3%) Homeowner's exemption | ||
| 2025 | $1,589.00 (+6.29%) Homeowner's exemption | $68,100 Land $25,800 Building $42,300 | $74,835 Land $28,352 Building $46,483 |
| 2024 | $1,495.00 | ||
| 2023 | $68,100 Land $25,800 Building $42,300 | $68,100 Land $25,800 Building $42,300 | |
| 2020 | $1,320.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 55 Central St in Zone AE, 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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 65 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 65 in force |
| Nearby Flood Claims | 11 (1996–2026) |
| Claims Outside the SFHA | 1 of 11 |
| Most Recent Claim | Apr 2026 · rainfall accumulation |
| Claims by Event |
|
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 risk around 55 Central 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 93% of the US · lower than 89% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MORAVIA VILLAGE serves 1,950 people · EPA ID NY0501720 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 272 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber · Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
May also be available: Spectrum.
5G (outdoors only) and 4G LTE
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