Steuben County and Wayne Town property record for 12304 E Lake Rd, Hammondsport, NY 14840
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,598 sqft · built 2017 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Jul 2012) |
| Tax Bill | $7,374 (2026) |
| Deeds & Mortgages | Mar 2017 Line of Credit May 2020 Refinance |
| APN | KL011 |
| Primary APN | KL011 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,598 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 1,332 sqft |
| Finished Basement | 1,332 sqft |
| Unfinished Basement | 1,332 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Contemporary |
| Exterior Material | Wood |
| Foundation Type | Raised |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Dimensions | 210 ft deep x 50 ft wide |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 729 sqft |
| Patio Area | 256 sqft |
| Shed | 1 Shed |
| Shed Area | 64 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | KL011 |
|---|---|
| Street Address | 12304 E LAKE RD |
| City | HAMMONDSPORT |
| State | NY |
| Zip | 14840-7011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LFR-1 |
| Legal Description | 50 FT LF |
| Legal Block | 1 |
| Legal Lot Number | 5.200 |
| Jurisdiction | STEUBEN NY |
| Township / Civil Division | WAYNE |
| Census Block Group | 2 |
| Census Block | 2056 |
| Census Tract | 961500 |
12304 E Lake Rd is owned and occupied by two individuals who bought it in July 2012.
Source: Steuben County and Wayne Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 12304 E LAKE RD, HAMMONDSPORT, NY 14840-7011 |
| 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.
| Date | Document |
|---|---|
| Mar 28, 2017 | Deed of Trust, Mortgage · Line of Credit LYONS NATIONAL BANK |
| May 26, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance LYONS SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2012 · Amount on File |
| Deed Sale | Jul 30, 2012 · Amount on File |
| Prior Sale | May 11, 2000 · Amount on File |
| Deed Book / Page | 2395 / 203 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 12304 E LAKE RD, HAMMONDSPORT, NY 14840-7011 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004155/0000000070 |
|---|---|
| Date | Mar 28, 2017 |
| Book Page | 0000004155/0000000070 |
| Name | LYONS NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 12304 E LAKE RD, HAMMONDSPORT, NY 14840-7011 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2020 |
| Name | Verified Name |
|---|
| Document Number | 4534/68 |
|---|---|
| Date | May 26, 2020 |
| Book Page | 4534/68 |
| Instrument | DL0338 |
| Name | LYONS SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2026 property tax bill for 12304 E Lake Rd was $7,374, up 3.1% from the year before.
Source: Steuben County and Wayne Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Steuben County |
| County Subdivision | Wayne Town |
| Unified School District | Hammondsport Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,374.00 (+3.12%) | ||
| 2025 | $7,151.00 | $429,400 Land $168,400 Building $261,000 | $588,219 Land $230,685 Building $357,534 |
| 2023 | $429,400 (-) Land $168,400 Building $261,000 | $466,739 (+8.7%) Land $183,043 Building $283,696 | |
| 2022 | $429,400 Land $168,400 Building $261,000 | $429,400 Land $168,400 Building $261,000 | |
| 2021 | $3,555.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 12304 E Lake Rd; 30 flood insurance policies are 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 |
|---|---|
| Flood Insurance Cost | Premium on File median of 30 policies |
| Nearby Flood Policies | 30 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 risk around 12304 E Lake 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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