Cayuga County and Locke Town property record for 968 Mill St, Locke, NY 13092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,136 sqft · built 1870 |
| Lot Size | 0.274 acres (11,968 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $64,500 (Jun 2009) |
| Tax Bill | $2,321 (2025) |
| Deeds & Mortgages | Aug 2018 Line of Credit |
| Flood Zone | Zone A (high risk) |
| APN | 053600 231.13-1-15 |
| Primary APN | 053600 231.13-1-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,136 sqft Living Area |
| 1st Floor Area | 560 sqft |
| 2nd Floor Area | 576 sqft |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,968 sqft (0.274 acres) |
| Lot Dimensions | 187 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 09007070 |
|---|---|
| Street Address | 968 MILL ST |
| City | LOCKE |
| State | NY |
| Zip | 13092-3179 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SM 96-5, 2001-186 EASEMENT 826-275 |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | CAYUGA NY |
| Township / Civil Division | LOCKE |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 40900 |
Source: Cayuga County and Locke Town records, as of May 1, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 968 MILL ST, LOCKE, NY 13092-3179 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2009 · Amount on Record |
| Deed Sale | Jun 24, 2009 · Amount on Record |
| Prior Sale | Jun 24, 2009 · Amount on Record |
| Deed Book / Page | 1387 / 35 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CAYUGA NY |
| Property Address | 968 MILL ST, LOCKE, NY 13092-3179 |
| Document Number | 0000181683 |
| Instrument Date | Aug 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2018 |
| Title Company | PRECISION ABSTRACT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 968 MILL ST LOCKE NY 130923179, LOCKE, NY 13092-3179 |
| Document Number | 0000181683 |
|---|---|
| Date | Aug 30, 2018 |
| Instrument | 181683 |
| Name | CFCU CMNTY CU |
|---|---|
| Type | Credit Union |
| Address | ITHACA, NY 14850 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 29, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 |
|---|---|---|---|
| 2025 | $2,321.00 (+7.9%) Homeowner's exemption | $91,000 (-) Land $9,000 Building $82,000 | $128,169 (+21.13%) Land $12,676 Building $115,493 |
| 2024 | $2,151.00 (+107.83%) | ||
| 2023 | $91,000 Land $9,000 Building $82,000 | $105,814 Land $10,465 Building $95,349 | |
| 2020 | $1,035.00 |
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 A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 94% of the US · lower than 91% 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 | 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 |
5G and 4G LTE (outdoors only)
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