Steuben County and Wayland Town property record for 35 E Lake Rd, Cohocton, NY 14826
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,248 sqft · built 1920 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Jul 2018) |
| Tax Bill | $2,610 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit Feb 2023 Refinance + 2 more |
| APN | 0001310-000 |
| Primary APN | 0001310-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 1,248 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,295 sqft (0.42 acres) |
| Porch | Slab |
| Porch Area | 263 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0001310-000 |
|---|---|
| Street Address | 35 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 | SMITH WERTH WERTH E LAKE RD |
| Legal Block | 1 |
| Legal Lot Number | 18.000 |
| Jurisdiction | STEUBEN NY |
| Township / Civil Division | WAYLAND |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 960400 |
35 E Lake Rd is owned and occupied by an individual who bought it in July 2018.
Source: Steuben County and Wayland Town records, as of October 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| 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 |
|---|---|
| Oct 1, 2026 | Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION |
| Feb 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Refinance FIVE STAR BANK |
| Jul 6, 2018 | Deed of Trust, Mortgage STEUBEN TRUST CO |
| Jul 6, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 6, 2018 · Amount on File |
| Deed Sale | Jul 6, 2018 · Amount on File |
| Prior Sale | Sep 20, 2007 · Amount on File |
| Deed Book / Page | 2718 / 107 |
| Prior Transfer Date | Feb 26, 2008 |
| Prior Transfer Doc | 0000002149/000000021 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | Oct 1, 2026 |
| Property Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| Document Number | 5330000101 |
| Book / Page | 5330 / 101 |
| Instrument Date | Sep 9, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| Document Number | 5330000101, |
|---|---|
| Date | Oct 1, 2026 |
| Book Page | 5330/101 |
| Name | ESL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Nov 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2023 |
| Name | Verified Name |
|---|
| Document Number | 004947/169 |
|---|---|
| Date | Feb 10, 2023 |
| Book Page | 4947/169 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004312/0000000313 |
|---|---|
| Date | Jul 6, 2018 |
| Book Page | 0000004312/0000000313 |
| Name | STEUBEN TRUST CO |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 174 Months |
| Due | Jan 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | Jul 6, 2018 |
| Property Address | 35 E LAKE RD, COHOCTON, NY 14826-9756 |
| Document Number | 002718/107 |
| Book / Page | 2718 / 107 |
| Instrument Date | Jun 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 35 E Lake Rd was $2,610, up 1.6% from the year before.
Source: Steuben County and Wayland Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Steuben County |
| County Subdivision | Wayland Town |
| Unified School District | Wayland-Cohocton Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,610.00 (+1.56%) | ||
| 2025 | $2,570.00 | $80,600 Land $9,100 Building $71,500 | $107,467 Land $12,133 Building $95,334 |
| 2023 | $80,600 Land $9,100 Building $71,500 | $88,571 Land $10,000 Building $78,571 |
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 35 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 risk around 35 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 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 |
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