1160 Flat St, Penn Yan, NY 14527 Property Records

Yates County and Benton Town property record for 1160 Flat St, Penn Yan, NY 14527

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,664 sqft · built 1987
Lot Size	13.4 acres (583,704 sqft)
Owner	Individual Name on File
Last Sale	$311,500 (Feb 2023)
Tax Bill	$4,835 (2026)
Deeds & Mortgages	Apr 2019 Mortgage Oct 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0739-020`

Property Details

APN / Parcel Number

Primary APN	`0739-020`
Alternative APNs	`57228902700400010070000000` `572289 27.04-1-7.1`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,664 sqft Living Area
1st Floor Area	1,300 sqft
Basement Area	364 sqft
Finished Basement	364 sqft
Game Room	Game Room

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Raised Ranch
Exterior Material	Wood
Lot Area	583,704 sqft (13.4 acres)
Garage Type	Basement
Porch	Slab
Porch Area	380 sqft
Pole Barn	960 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0739-020
Street Address	1160 FLAT ST
City	PENN YAN
State	NY
Zip	14527-9019
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	N00
Legal Subdivision	PHELPS & GORHAM PURCHASE
Legal Block	1
Legal Lot Number	7.001
Jurisdiction	YATES NY
Township / Civil Division	BENTON
Census Block Group	2
Census Block	2001
Census Tract	150200

Owner

1160 Flat St, a rural home, is owned and occupied by an individual who bought it in February 2023.

Source: Yates County and Benton Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1160 FLAT ST, PENN YAN, NY 14527-9019
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

Date	Document
Apr 1, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS COMMUNITY BANK
Oct 7, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS COMMUNITY BANK
Oct 7, 2020	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS COMMUNITY BANK
Feb 28, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage GROFF DALE FINANICAL AID OF NEW YOR
Feb 2, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Dec 30, 2009 · Amount on File
Prior Transfer Date	Jan 26, 2023
Prior Transfer Doc	0202413752
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	1160 FLAT ST, PENN YAN, NY 14527-9019
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1120/320
Date	Apr 1, 2019
Book Page	MT 1120/320
Instrument	2019-00000673

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank
Address	DENVER, PA 17517

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	1160 FLAT ST, PENN YAN, NY 14527-9019
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020202431
Date	Oct 7, 2020
Instrument	2020-2431

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank
Address	DENVER, PA 17517

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	1160 FLAT ST, PENN YAN, NY 14527-9019
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0020202425
Date	Oct 7, 2020
Instrument	2020-2425

Lender

Name	FIRST CITIZENS COMMUNITY BANK
Type	Bank
Address	DENVER, PA 17517

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YATES NY
Recording Date	Feb 28, 2023
Property Address	1160 FLAT ST, PENN YAN, NY 14527-9019
Document Number	0202311078
Instrument Date	Feb 27, 2023
Instrument	2023-11078
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,246.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1198 FLAT ST, PENN YAN, NY 14527-9019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 FLAT ST, PENN YAN, NY 14527-9012

Mortgage

Document Number	0202311079
Date	Feb 28, 2023
Instrument	2023-11079

Lender

Name	GROFF DALE FINANICAL AID OF NEW YOR
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YATES NY
Recording Date	Feb 2, 2024
Property Address	1160 FLAT ST, PENN YAN, NY 14527-9019
Document Number	0202413752
Map Reference	MAP 03-319
Instrument Date	Jan 26, 2023
Instrument	2024-13752
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1160 FLAT ST, PENN YAN, NY 14527-9019

Tax Assessment & Valuation

The 2026 property tax bill for 1160 Flat St was $4,835, up 4.6% from the year before.

Source: Yates County and Benton Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Yates County
County Subdivision	Benton Town
Unified School District	Penn Yan Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,835.00 (+4.63%)
2025	$4,621.00 (+2.73%)	$206,100 (-) Land $53,400 Building $152,700	$303,088 (+13.24%) Land $78,529 Building $224,559
2024	$4,498.00	$206,100 (-) Land $53,400 Building $152,700	$267,662 (+3.9%) Land $69,351 Building $198,311
2023		$206,100 Land $53,400 Building $152,700	$257,625 Land $66,750 Building $190,875
2020	$4,234.00

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

Flood

FEMA maps place 1160 Flat St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 17, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1160 Flat St 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 95% of the US · lower than 94% 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	BENTON WD #3 serves 332 people · EPA ID NY6130011
Water Source	Purchased groundwater from SENECA TOWN WD
Last State Inspection	Dec 2023
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CBN, Empire Long Distance.

Cell Coverage

5G (outdoors only) and 4G LTE

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