Cayuga County and Owasco Town property record for 6197 E Lake Rd, Auburn, NY 13021
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,952 sqft · built 1952 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $254,000 (Sep 2020) |
| Tax Bill | $8,130 (2026) |
| Deeds & Mortgages | Aug 2022 Line of Credit Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 054600 131.03-1-31 |
| Primary APN | 054600 131.03-1-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,952 sqft Living Area |
| 1st Floor Area | 1,952 sqft |
| Basement Area | 1,952 sqft |
| Finished Basement | 1,952 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Detached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 615 sqft |
| Porch | Slab |
| Porch Area | 708 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 14004343 |
|---|---|
| Street Address | 6197 E LAKE RD |
| City | AUBURN |
| State | NY |
| Zip | 13021-8242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM M-2 |
| Legal Block | 1 |
| Legal Lot Number | 31.000 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | OWASCO |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 40700 |
6197 E Lake Rd is owned and occupied by two individuals who bought it in September 2020.
Source: Cayuga County and Owasco Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 6197 E LAKE RD, AUBURN, NY 13021-8242 |
| 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.
| Date | Document |
|---|---|
| Aug 16, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Sep 24, 2020 | Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2020 · Amount on File |
| Deed Sale | Sep 24, 2020 · Amount on File |
| Deed Document Number | 2020198228 |
| Deed Book / Page | 3927 / 305 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 6197 E LAKE RD, AUBURN, NY 13021-8242 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 004262/154 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 4262/154 |
| Instrument | 2022-216083 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Sep 24, 2020 |
| Property Address | 6197 E LAKE RD, AUBURN, NY 13021-8242 |
| Document Number | 0039270003 |
| Book / Page | 003927 / 000003 |
| Instrument Date | Sep 2, 2020 |
| Instrument | 198228 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,016.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 16 LINN AVE AUBURN NY 130214312, AUBURN, NY 13021-4312 |
| Document Number | 39270308 |
|---|---|
| Date | Sep 24, 2020 |
| Book Page | 003927/000308 |
| Instrument | 198229 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 23, 2050 |
The 2026 property tax bill for 6197 E Lake Rd was $8,130, up 2.5% from the year before.
Source: Cayuga County and Owasco Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Owasco Town |
| Unified School District | Auburn City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,130.00 (+2.55%) | ||
| 2025 | $7,928.00 (+1.94%) | $164,250 Land $26,000 Building $138,250 | $349,468 Land $55,319 Building $294,149 |
| 2024 | $7,777.00 | ||
| 2023 | $164,250 Land $26,000 Building $138,250 | $288,158 Land $45,614 Building $242,544 | |
| 2020 | $3,265.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6197 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 risk around 6197 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 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 21 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 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
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