3321 Esperanza Rd, Bluff Point (Keuka Park), NY 14478 Property Records

Yates County and Jerusalem Town property record for 3321 Esperanza Rd, Bluff Point, NY 14478

Property Summary

Property Type	Residential Vacant Land
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$46,000 (Nov 2019)
Tax Bill	$723 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2025 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0644-000`

Property Details

APN / Parcel Number

Primary APN	`0644-000`
Alternative APNs	`268908400100010250000000` `572689 84.01-1-25`

Exterior

Lot Area	87,120 sqft (2 acres)
Lot Dimensions	330 ft deep x 320 ft wide

Location & Zoning

Account Number	0644-000
Street Address	3321 ESPERANZA RD
City	KEUKA PARK
State	NY
Zip	14478-9712
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	06 - INDUS
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	YATES NY
Township / Civil Division	JERUSALEM
Census Block Group	1
Census Block	1023
Census Tract	150400

Owner

3321 Esperanza Rd, residential vacant land, is owned by two individuals who bought it in November 2019.

Source: Yates County and Jerusalem Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	212 HAMILTON ST, PENN YAN, NY 14527-1004
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
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK
Jun 30, 2025	Deed of Trust, Mortgage · Construction Mortgage COMMUNITY BANK NA
Nov 20, 2019	Warranty Deed, Transfer
Oct 27, 2005	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2019 · Amount on File
Deed Sale	Nov 20, 2019 · Amount on File
Deed Document Number	20192777
Deed Book / Page	DE 762 / 1
Prior Transfer Date	May 16, 2003
Prior Transfer Doc	0488000152
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Recording Date	Jul 31, 2026
Property Address	3321 ESPERANZA RD, KEUKA PARK, NY 14478-9712
Document Number	0000020952
Instrument Date	Jul 22, 2026
Instrument	202620952
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3321 ESPERANZA RD, KEUKA PARK, NY 14478-9712

Mortgage

Document Number	0000020952,
Date	Jul 31, 2026
Instrument	202620952

Lender

Name	COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Change Frequency	Monthly
Max Rate	-1%

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	3321 ESPERANZA RD, BLUFF POINT, NY 14478-9712
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	212 HAMILTON ST, PENN YAN, NY 14527-1004

Mortgage

Document Number	0202517650
Date	Jun 30, 2025
Instrument	2025-17650

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jul 1, 2056

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YATES NY
Recording Date	Nov 20, 2019
Property Address	3321 ESPERANZA RD, BLUFF POINT, NY 14478-9712
Document Number	0DE762/001
Book / Page	DE 762 / 001
Instrument Date	Oct 24, 2019
Instrument	2019-00002777
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Amount	Amount on Record
Tax	$184.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 ELM ST, MANCHESTER, NH 03101-2007

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	212 HAMILTON ST, PENN YAN, NY 14527-1004

October 2005: Deed, Transfer

Document Type	Deed
Jurisdiction	YATES NY
Recording Date	Oct 27, 2005
Property Address	3321 ESPERANZA RD, BLUFF POINT, NY 14478-9712
Document Number	0000000531/0000000164
Book / Page	0000000531 / 0000000164
Instrument Date	Oct 19, 2005
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 326, MANCHESTER, NH 03105-0326
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 3321 Esperanza Rd was $723, up 1.7% from the year before.

Source: Yates County and Jerusalem Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Yates County
County Subdivision	Jerusalem Town
Unified School District	Penn Yan Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$723.00 (+1.69%)
2025	$711.00	$50,500 Land $50,500	$53,723 Land $53,723
2023		$45,000 Land $45,000	$52,941 Land $52,941
2020	$872.00

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

Flood

FEMA maps place 3321 Esperanza Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 17, 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	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 3321 Esperanza 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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: Verizon.

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