19 E Lake Rd, Cohocton, NY 14826 Property Records

Steuben County and Wayland Town property record for 19 E Lake Rd, Cohocton, NY 14826

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,228 sqft · built 1924
Lot Size	0.091 acres (3,975 sqft)
Owner	2 Individual Names on File
Last Sale	$451,750 (Jul 2024)
Tax Bill	$7,730 (2026)
Deeds & Mortgages	Jul 2019 Refinance May 2021 Refinance + 3 more
APN	`0000208-000`

Property Details

APN / Parcel Number

Primary APN	`0000208-000`
Alternative APNs	`467489 054.11-01-029.000` `74890540110001029000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,228 sqft Living Area
1st Floor Area	908 sqft
2nd Floor Area	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	3,975 sqft (0.091 acres)
Lot Dimensions	80 ft deep x 49.7 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	997 sqft
Patio Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0000208-000
Street Address	19 E LAKE RD
City	COHOCTON
State	NY
Zip	14826-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AW
Legal Description	BLA W/ 054.11-01-028
Legal Block	1
Legal Lot Number	29.000
Jurisdiction	STEUBEN NY
Township / Civil Division	WAYLAND
Census Block Group	1
Census Block	1040
Census Tract	960400

Owner

19 E Lake Rd is owned by two individuals who bought it in July 2024.

Source: Steuben County and Wayland Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2015D SOUTHPOINT DR, HUMMELSTOWN, PA 17036-8724
Owner Type	Individual
Vesting	Husband and Wife

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
Jul 19, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PREMIUM MORTGAGE CO
May 26, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK
Aug 29, 2022	Deed of Trust, Mortgage · Line of Credit FIVE STAR BANK
May 6, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance LYONS SAVINGS BANK
Jul 8, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on File
Deed Sale	Jul 8, 2024 · Amount on File
Prior Sale	Dec 29, 2015 · Amount on File
Deed Book / Page	3104 / 69
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	19 E LAKE RD, COHOCTON, NY 14826-9756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	EMPIRE GEN ABSTRACT LLC, EMPIRE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004426/304
Date	Jul 19, 2019
Book Page	4426/304

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	19 E LAKE RD, COHOCTON, NY 14826-9756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004698/135
Date	May 26, 2021
Book Page	4698/135

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

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

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	19 E LAKE RD, COHOCTON, NY 14826-9756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004894/248
Date	Aug 29, 2022
Book Page	4894/248

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	19 E LAKE RD, COHOCTON, NY 14826-9756
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005169/312
Date	May 6, 2025
Book Page	5169/312

Lender

Name	LYONS SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2040

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN NY
Recording Date	Jul 8, 2024
Property Address	19 E LAKE RD, COHOCTON, NY 14826-9756
Document Number	0003104/69
Book / Page	3104 / 69
Instrument Date	Jun 22, 2024
Transaction Type	Transfer
Record Updated	Apr 3, 2026

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	2015D SOUTHPOINT DR, HUMMELSTOWN, PA 17036-8724

Mortgage

Document Number	0000508489
Date	Jul 8, 2024
Instrument	5084/89

Lender

Name	PRIMELENDING

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 19 E Lake Rd was $7,730, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Steuben County
County Subdivision	Wayland Town
Unified School District	Wayland-Cohocton Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,730.00 (+1.46%)
2025	$7,619.00	$227,800 Land $51,900 Building $175,900	$303,733 Land $69,200 Building $234,533
2023		$227,800 Land $51,900 Building $175,900	$250,330 Land $57,033 Building $193,297

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 19 E Lake Rd; there have been 4 flood claims nearby since 1981.

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	6 in force
Nearby Flood Claims	4 (1981–2024)
Most Recent Claim	Aug 2024 · Severe Storm And 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

Wildfire risk around 19 E Lake Rd 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	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 84 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

Cell Coverage

5G (outdoors only) and 4G LTE

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