7 S Main St, Moravia, NY 13118 Property Records

Cayuga County and Moravia Town property record for 7 S Main St, Moravia, NY 13118

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,342 sqft · built 1970
Lot Size	0.498 acres (21,700 sqft)
Owner	2 Individual Names on File
Last Sale	$78,000 (Sep 1998)
Tax Bill	$5,612 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`054201 210.18-1-25`

Property Details

APN / Parcel Number

Primary APN	`054201 210.18-1-25`
Alternative APNs	`420121001800010250000000` `39018150`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,342 sqft Living Area
1st Floor Area	1,196 sqft
Upper Floors Area	286 sqft
Basement Area	860 sqft
Finished Basement	860 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	21,700 sqft (0.498 acres)
Lot Dimensions	217 ft deep x 100 ft wide
Garage Type	Basement
Pool Type	In-Ground Vinyl Pool
Porch	Patio
Porch Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	39018150
Street Address	7 S MAIN ST
City	MORAVIA
State	NY
Zip	13118-2308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	PLT BK 70 PG 178 SM 98-188
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	CAYUGA NY
Township / Civil Division	MORAVIA
Census Block Group	1
Census Block	1048
Census Tract	40800

Owner

7 S Main St is owned and occupied by two individuals who bought it in September 1998.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 82, MORAVIA, NY 13118-0082
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK OF TN
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 1998 · Amount on File
Deed Sale	Sep 18, 1998 · Amount on File
Deed Book / Page	990 / 156
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Recording Date	Jun 1, 2026
Property Address	7 S MAIN ST, MORAVIA, NY 13118-2308
Document Number	0000243495
Book / Page	4741 / 223
Instrument Date	May 20, 2026
Instrument	2026243495
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 S MAIN ST, MORAVIA, NY 13118-2308

Mortgage

Document Number	0000243495,
Date	Jun 1, 2026
Book Page	4741/223
Instrument	2026243495

Lender

Name	FIRST NATIONAL BANK OF TN

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	7 S MAIN ST, MORAVIA, NY 13118-2308
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004098/135
Date	Sep 2, 2021
Book Page	4098/135
Instrument	2021-207286

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	97 Months
Due	Oct 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 7 S Main St was $5,612 with a homeowner's exemption, up 11.2% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,612.00 (+11.15%) Homeowner's exemption
2025	$5,049.00 (+4.47%) Homeowner's exemption	$191,900 Land $26,400 Building $165,500	$210,879 Land $29,011 Building $181,868
2024	$4,833.00
2023		$191,900 Land $26,400 Building $165,500	$191,900 Land $26,400 Building $165,500
2020	$2,570.00

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

Flood

FEMA maps place 7 S Main St in Zone X, an area of minimal flood risk, though there have been 11 flood claims nearby since 1996.

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
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	Flooding, Jul 2017 · 8 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 7 S Main St is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Cable · Fiber in parts of the area	1,000 / 25
Starlink Satellite	280 / 30

May also be available: Spectrum, Verizon.

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