14656 Lake St, Sterling, NY 13156 Property Records

Cayuga County and Sterling Town property record for 14656 Lake St, Sterling, NY 13156

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,050 sqft · built 1910
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Feb 2017)
Tax Bill	$2,775 (2026)
Deeds & Mortgages	Sep 2022 Mortgage Nov 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`055601 9.13-1-3.2`

Property Details

APN / Parcel Number

Primary APN	`055601 9.13-1-3.2`
Alternative APN	`36014030`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,050 sqft Living Area
1st Floor Area	744 sqft
Upper Floors Area	306 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1985
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	132 ft deep x 99 ft wide
Porch	Patio
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	36014030
Street Address	14656 LAKE ST
City	STERLING
State	NY
Zip	13156-3227
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Block	1
Legal Lot Number	3.002
Jurisdiction	CAYUGA NY
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3030
Census Tract	40102

Owner

Source: Cayuga County and Sterling Town records, as of October 19, 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	Individual Name on File
Mailing Address	14656 LAKE ST, STERLING, NY 13156-3227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2022	Deed of Trust, Mortgage · FHA Mortgage WINTRUST MORTGAGE
Nov 4, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Mar 28, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Feb 1, 2017	Warranty Deed, Transfer · Conventional Mortgage ALLEN KUNDIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2017 · Amount on File
Deed Sale	Feb 1, 2017 · Amount on File
Prior Sale	Jun 6, 2014 · Amount on File
Deed Document Number	2017168864
Deed Book / Page	1658 / 195
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	14656 LAKE ST, STERLING, NY 13156-3227
Transaction Type	Mortgage
Record Updated	Oct 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004273/37
Date	Sep 16, 2022
Book Page	4273/37
Instrument	2022-216775

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	14656 LAKE ST, STERLING, NY 13156-3227
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004133/167
Date	Nov 4, 2021
Book Page	4133/167
Instrument	2021-209029

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CAYUGA NY
Property Address	14656 LAKE ST, STERLING, NY 13156-3227
Document Number	0037070001
Instrument Date	Mar 28, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14656 LAKE ST STERLING NY 131563227, STERLING, NY 13156-3227

Mortgage

Document Number	0037070001
Date	Apr 4, 2019
Book Page	003707/000001
Instrument	186229

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 3, 2034

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CAYUGA NY
Recording Date	Feb 1, 2017
Property Address	14656 LAKE ST, STERLING, NY 13156-3227
Document Number	0016580195
Book / Page	001658 / 000195
Instrument Date	Jan 31, 2017
Instrument	168864
Transaction Type	Transfer
Record Updated	Mar 4, 2019
Title Company	HORIZON ABSTRACT CORPORATION, HORIZON ABSTRACT CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14656 LAKE ST FAIR HAVEN NY 13064, FAIR HAVEN, NY 13064

Mortgage

Document Number	34980274
Date	Feb 1, 2017
Book Page	003498/000274
Instrument	168865

Lender

Name	ALLEN KUNDIN
Address	46 VALEWOOD RUN, PENFIELD, NY 14526-2807
Special Notes	Seller Financed

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate
Rate	4%

Tax Assessment & Valuation

Source: Cayuga County and Sterling Town assessment roll, as of May 1, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cayuga County
County Subdivision	Sterling Town
Municipality	Fair Haven Village
Unified School District	Red Creek Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,775.00 (+14.01%)
2025	$2,434.00 (+7.75%)	$140,300 (+83.4%) Land $34,000 Building $106,300	$140,300 (+17.38%) Land $34,000 Building $106,300
2024	$2,259.00 (+67.09%)
2023		$76,500 Land $20,600 Building $55,900	$119,531 Land $32,187 Building $87,344
2019	$1,352.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2017–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jun 2019 · river or lake flooding

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAIR HAVEN VILLAGE serves 1,001 people · EPA ID NY0501717
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	14 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	3 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 85 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: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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