6045 E Lake Rd, Auburn, NY 13021 Property Records

Cayuga County and Owasco Town property record for 6045 E Lake Rd, Auburn, NY 13021

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,982 sqft · built 2004
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$18,000 (Mar 2002)
Tax Bill	$9,218 (2026)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`054600 138.01-1-68.7`

Property Details

APN / Parcel Number

Primary APN	`054600 138.01-1-68.7`
Alternative APN	`460013800100010680070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,982 sqft Living Area
1st Floor Area	1,982 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Well

Location & Zoning

Street Address	6045 E LAKE RD
City	AUBURN
State	NY
Zip	13021-8240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	J BIRARDI EST. PRO. 11-83 SM 96-253, LOT 6 SMD 1089-245
Legal Block	1
Legal Lot Number	68.007
Jurisdiction	CAYUGA NY
Township / Civil Division	OWASCO
Census Block Group	3
Census Block	3024
Census Tract	40700

Owner

6045 E Lake Rd is owned and occupied by two individuals who bought it in March 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	6045 E LAKE RD, AUBURN, NY 13021-8240
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	Mar 19, 2002 · Amount on File
Deed Sale	Mar 19, 2002 · Amount on File
Deed Book / Page	1089 / 242
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Recording Date	Apr 14, 2026
Property Address	6045 E LAKE RD, AUBURN, NY 13021-8240
Document Number	0000242541
Book / Page	4724 / 331
Instrument Date	Apr 2, 2026
Instrument	2026242541
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6045 E LAKE RD, AUBURN, NY 13021-8240

Mortgage

Document Number	0000242541,
Date	Apr 14, 2026
Book Page	4724/331
Instrument	2026242541

Lender

Name	AUBURN COMMUNITY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 7, 2041

Interest

Rate Type	Fixed Rate
Rate	5.43%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 6045 E Lake Rd was $9,218 with a homeowner's exemption, up 7.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Owasco Town
Unified School District	Auburn City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,218.00 (+7.67%) Homeowner's exemption
2025	$8,561.00 (+3.95%) Homeowner's exemption	$187,700 Land $21,000 Building $166,700	$399,362 Land $44,681 Building $354,681
2024	$8,236.00
2023		$181,700 Land $21,000 Building $160,700	$318,772 Land $36,842 Building $281,930
2020	$3,222.00

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

Flood

FEMA maps place 6045 E Lake Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1981.

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	7 in force
Nearby Flood Claims	3 (1981–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2021 · Remnants Of Tropical Storm Fred

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 6045 E Lake 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 93% 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	OWASCO WATER DISTRICT serves 3,000 people · EPA ID NY0501721
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
CBN Fixed Wireless · not low latency	100 / 100
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on E Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures