12098 Steele Rd, Big Flats, NY 14814 Property Records

Steuben County and Corning Town property record for 12098 Steele Rd, Big Flats, NY 14814

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,448 sqft · built 1986
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (May 2015)
Tax Bill	$10,880 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Feb 2013 Mortgage + 4 more
APN	`463889 319.12-01-021.100`

Property Details

APN / Parcel Number

Primary APN	`463889 319.12-01-021.100`
Alternative APN	`38893190120001021100`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,448 sqft Living Area
1st Floor Area	1,248 sqft
2nd Floor Area	1,200 sqft
Basement Area	820 sqft
Finished Basement	820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	33,977 sqft (0.78 acres)
Lot Dimensions	200 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	360 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	12098 STEELE RD
City	BIG FLATS
State	NY
Zip	14814-9620
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CONF
Legal Block	1
Legal Lot Number	21.100
Jurisdiction	STEUBEN NY
Township / Civil Division	CORNING
Census Block Group	3
Census Block	3012
Census Tract	962800

Owner

12098 Steele Rd is owned and occupied by two individuals who bought it in May 2015.

Source: Steuben County and Corning 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	12098 STEELE RD, BIG FLATS, NY 14814-9620
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit CORNING FCU
Feb 7, 2013	Deed of Trust, Mortgage CORNING FEDERAL CREDIT UNION
Feb 6, 2013	Deed of Trust, Mortgage CORNING FEDERAL CREDIT UNION
Sep 28, 2015	Deed of Trust, Mortgage CORNING FEDERAL CREDIT UNION
May 13, 2015	Deed, Transfer CORNING FEDERAL CREDIT UNION
Aug 6, 2009	Deed, Transfer RICHARD KEYSER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2015 · Amount on File
Deed Sale	May 13, 2015 · Amount on File
Prior Sale	Aug 6, 2009 · Amount on File
Deed Book / Page	2536 / 21
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004781/345
Date	Nov 18, 2021
Book Page	4781/345

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	217 Months
Due	Dec 1, 2039

Interest

Rate Type	Adjustable Rate

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003628/0000000129
Date	Feb 7, 2013
Book Page	0000003628/0000000129

Lender

Name	CORNING FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	359 Months
Due	Jan 1, 2043

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003627/0000000258
Date	Feb 6, 2013
Book Page	0000003627/0000000258

Lender

Name	CORNING FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	107 Months
Due	Jan 1, 2022

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003972/0000000096
Date	Sep 28, 2015
Book Page	0000003972/0000000096

Lender

Name	CORNING FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	76 Months
Due	Jan 1, 2022

May 2015: Deed, Transfer

Document Type	Deed
Jurisdiction	STEUBEN NY
Recording Date	May 13, 2015
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Document Number	0000002536/0000000021
Book / Page	0000002536 / 0000000021
Instrument Date	May 8, 2015
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	JOHN GROFF

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12098 STEELE RD, BIG FLATS, NY 14814-9620

Mortgage

Document Number	0000003922/0000000261
Date	May 13, 2015
Book Page	0000003922/0000000261

Lender

Name	CORNING FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2045

August 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	STEUBEN NY
Recording Date	Aug 6, 2009
Property Address	12098 STEELE RD, BIG FLATS, NY 14814-9620
Document Number	0000002248/0000000133
Book / Page	0000002248 / 0000000133
Instrument Date	Jul 24, 2009
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	RICHARD KEYSER

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12098 STEELE RD, BIG FLATS, NY 14814-9620

Tax Assessment & Valuation

The 2026 property tax bill for 12098 Steele Rd was $10,880, up 0.6% from the year before.

Source: Steuben County and Corning Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Steuben County
County Subdivision	Corning Town
Unified School District	Corning City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,880.00 (+0.58%)
2025	$10,817.00	$325,000 Land $35,000 Building $290,000	$373,563 Land $40,230 Building $333,333
2023		$293,000 (-) Land $35,000 Building $258,000	$305,208 (+4.17%) Land $36,458 Building $268,750
2022		$293,000 Land $35,000 Building $258,000	$293,000 Land $35,000 Building $258,000
2021	$2,892.00

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 12098 Steele Rd; there have been 3 flood claims nearby since 1996.

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

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	3 (1996–2018)
Most Recent Claim	Aug 2018 · rainfall accumulation

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 12098 Steele Rd 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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Xtreme5G.

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