12 Cottage Ct, Warsaw, NY 14569 Property Records

Wyoming County and Warsaw Town property record for 12 Cottage Ct, Warsaw, NY 14569

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,195 sqft · built 1900
Lot Size	0.082 acres (3,588 sqft)
Owner	Individual Name on File
Last Sale	$82,000 (Aug 2020)
Tax Bill	$3,988 (2026)
Deeds & Mortgages	Oct 2021 Line of Credit Aug 2020 Transfer + 1 more
APN	`564801 85.11-3-52`

Property Details

APN / Parcel Number

Primary APN	`564801 85.11-3-52`
Alternative APN	`480108501100030520000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,195 sqft Living Area
1st Floor Area	797 sqft
Upper Floors Area	398 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,588 sqft (0.082 acres)
Lot Dimensions	69 ft deep x 52 ft wide
Porch	Slab
Porch Area	240 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	12 COTTAGE CT
City	WARSAW
State	NY
Zip	14569-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	LOT 36 TOWN 9 RANGE 1 BREWER LOT 12
Legal Block	3
Legal Lot Number	52.000
Jurisdiction	WYOMING NY
Township / Civil Division	WARSAW
Census Block Group	4
Census Block	4010
Census Tract	970500

Owner

12 Cottage Ct is owned and occupied by an individual who bought it in August 2020.

Source: Wyoming County and Warsaw Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	12 COTTAGE CT, WARSAW, NY 14569-1420
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
Oct 12, 2021	Deed of Trust, Mortgage · Line of Credit GENESEE VALLEY FCU
Aug 4, 2020	Affidavit of Death, Transfer NOT AVAILABLE
Aug 4, 2020	Warranty Deed, Transfer · Conventional with PMI GENESEE VLY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Prior Sale	Feb 4, 2011 · Amount on File
Deed Document Number	20202165
Deed Book / Page	798 / 622
Prior Transfer Date	Oct 3, 2012
Prior Transfer Doc	0007520000000755
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WYOMING NY
Property Address	12 COTTAGE CT, WARSAW, NY 14569-1420
Transaction Type	Mortgage
Record Updated	Nov 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009950256
Date	Oct 12, 2021
Book Page	995/256
Instrument	3993

Lender

Name	GENESEE VALLEY FCU

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate

August 2020: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	WYOMING NY
Recording Date	Aug 4, 2020
Property Address	12 COTTAGE CT, WARSAW, NY 14569-1420
Document Number	0000002160
Book / Page	000085 / 000757
Instrument Date	Jul 28, 2020
Instrument	2160
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	189 N MAIN ST WARSAW NY 145691151, WARSAW, NY 14569-1151

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WYOMING NY
Recording Date	Aug 4, 2020
Property Address	12 COTTAGE CT, WARSAW, NY 14569-1420
Document Number	0000002165
Book / Page	000798 / 000622
Instrument Date	Jul 28, 2020
Instrument	2165
Transaction Type	Transfer
Record Updated	Sep 7, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	43 ELM ST WARSAW NY 145691101, WARSAW, NY 14569-1101

Mortgage

Document Number	2166
Date	Aug 4, 2020
Book Page	000971/000364
Instrument	2166

Lender

Name	GENESEE VLY FCU
Type	Credit Union
Address	GENESEO, NY 14454

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 12 Cottage Ct was $3,988, up 0.9% from the year before.

Source: Wyoming County and Warsaw Town assessment roll, as of May 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,988.00 (+0.89%)
2025	$3,953.00	$105,000 Land $3,500 Building $101,500	$105,000 Land $3,500 Building $101,500
2023		$86,800 (-) Land $3,500 Building $83,300	$89,500 (+3.11%) Land $3,609 Building $85,891
2022	$2,547.00	$86,800 Land $3,500 Building $83,300	$86,800 Land $3,500 Building $83,300

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

Flood

FEMA has no flood map on file for 12 Cottage Ct; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

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 12 Cottage Ct 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	None beyond ember reach

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	WARSAW VILLAGE serves 3,850 people · EPA ID NY6000618
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Feb 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 147 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
Empire Long Distance Fiber	1,000 / 100

May also be available: Verizon.

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