Cayuga County and Locke Town property record for 940 Main St, Locke, NY 13092
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,988 sqft · built 1890 |
| Lot Size | 0.444 acres (19,376 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $166,500 (Nov 2023) |
| Tax Bill | $3,949 (2026) |
| Deeds & Mortgages | Nov 2021 Refinance Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 053600 231.13-1-32.1 |
| Primary APN | 053600 231.13-1-32.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,988 sqft Living Area |
| 1st Floor Area | 1,699 sqft |
| 2nd Floor Area | 1,289 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,376 sqft (0.444 acres) |
| Lot Dimensions | 177 ft deep x 109 ft wide |
| Garage Type | Detached |
| Garage Area | 450 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 364 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 09014030 |
|---|---|
| Street Address | 940 MAIN ST |
| City | LOCKE |
| State | NY |
| Zip | 13092-3336 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 32.001 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | LOCKE |
| Census Block Group | 4 |
| Census Block | 4008 |
| Census Tract | 40900 |
Source: Cayuga County and Locke Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 940 MAIN ST, LOCKE, NY 13092-3336 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CFCU COMMUNITY CU |
| Nov 7, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST HERITAGE FEDERAL CREDIT UNION |
| Jul 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage CFCU CMNTY CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2023 · Amount on Record |
| Deed Sale | Nov 7, 2023 · Amount on Record |
| Prior Sale | Jul 24, 2018 · Amount on Record |
| Deed Document Number | 2023225305 |
| Deed Book / Page | 4417 / 28 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 940 MAIN ST, LOCKE, NY 13092-3336 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2024 |
| Name | Verified Name |
|---|
| Document Number | 004145/205 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 4145/205 |
| Instrument | 2021-209674 |
| Name | CFCU COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Nov 7, 2023 |
| Property Address | 940 MAIN ST, LOCKE, NY 13092-3336 |
| Document Number | 0004417/28 |
| Book / Page | 4417 / 28 |
| Instrument Date | Nov 3, 2023 |
| Instrument | 2023-225305 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 22 HELEN AVE # BLDG2, BLDG2, CORTLAND, NY 13045-1837 |
| Document Number | 2023225306 |
|---|---|
| Date | Nov 7, 2023 |
| Instrument | 2023-225306 |
| Name | FIRST HERITAGE FEDERAL CREDIT UNION |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2043 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CAYUGA NY |
| Recording Date | Jul 24, 2018 |
| Property Address | 940 MAIN ST, LOCKE, NY 13092-3336 |
| Document Number | 0017110129 |
| Book / Page | 001711 / 000129 |
| Instrument Date | Jul 13, 2018 |
| Instrument | 180778 |
| Transaction Type | Transfer |
| Record Updated | Aug 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $376.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 40 BRIGHTON 1ST RD #9M BROOKLYN NY 112358130, 9M, BROOKLYN, NY 11235-8130 |
| Document Number | 36270306 |
|---|---|
| Date | Jul 24, 2018 |
| Book Page | 003627/000306 |
| Instrument | 180779 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2048 |
Source: Cayuga County and Locke Town assessment roll, as of May 1, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Cayuga County |
| County Subdivision | Locke Town |
| Unified School District | Moravia Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,949.00 (+2.07%) | ||
| 2025 | $3,869.00 (+5.11%) | $133,000 (-) Land $13,500 Building $119,500 | $187,324 (+21.13%) Land $19,014 Building $168,310 |
| 2024 | $3,681.00 (+75.04%) | ||
| 2023 | $133,000 (-) Land $13,500 Building $119,500 | $154,651 (+12.79%) Land $15,698 Building $138,953 | |
| 2022 | $133,000 Land $13,500 Building $119,500 | $137,113 Land $13,917 Building $123,196 | |
| 2020 | $2,103.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 11 (1981–2021) |
| Most Recent Claim | Oct 2021 · 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.
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.
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 |
| 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 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 |
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