3710 Welch Rd, Avoca, NY 14809 Property Records

Steuben County and Howard Town property record for 3710 Welch Rd, Avoca, NY 14809

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,088 sqft · built 2000
Lot Size	2.51 acres (109,336 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Jan 2015)
Tax Bill	$3,424 (2026)
Deeds & Mortgages	Sep 2020 Refinance Sep 2020 Sale + 1 more
APN	`0002104-100`

Property Details

APN / Parcel Number

Primary APN	`0002104-100`
Alternative APNs	`465400 125.00-01-011.211` `54001250000001011211`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,088 sqft Living Area
1st Floor Area	1,152 sqft
Upper Floors Area	936 sqft
Basement Area	1,152 sqft
Finished Basement	1,152 sqft
Unfinished Basement	1,152 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	109,336 sqft (2.51 acres)
Garage Type	Mixed
Garage Area	1,188 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	288 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	0002104-100
Street Address	3710 WELCH RD
City	AVOCA
State	NY
Zip	14809-9586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	KAPP LIVING TRUST 8/3/200 1-210/#3710 WELCH RD 36.9 ACRES (C) ASSESSED
Legal Block	1
Legal Lot Number	11.211
Jurisdiction	STEUBEN NY
Township / Civil Division	HOWARD
Census Block Group	3
Census Block	3162
Census Tract	961000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3710 WELCH RD, AVOCA, NY 14809-9586
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ELMIRA SAVINGS BANK FSB
Sep 14, 2020	Warranty Deed, Transfer
Jan 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance ELMIRA SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2015 · Amount on Record
Deed Sale	Jan 30, 2015 · Amount on Record
Deed Book / Page	2521 / 25
Last Transfer Date	Sep 1, 2020
Transfer Doc	002846/217
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	3710 WELCH RD, AVOCA, NY 14809-9586
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004581/283
Date	Sep 14, 2020
Book Page	4581/283
Instrument	DL1169

Lender

Name	ELMIRA SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2045

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEUBEN NY
Recording Date	Sep 14, 2020
Property Address	3710 WELCH RD, AVOCA, NY 14809-9586
Document Number	002846/217
Book / Page	2846 / 217
Instrument Date	Sep 1, 2020
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEUBEN NY
Property Address	3710 WELCH RD, AVOCA, NY 14809-9586
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4370/38
Date	Jan 4, 2019
Book Page	4370/38

Lender

Name	ELMIRA SAVINGS BANK FSB
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,424.00 (+2.45%) Homeowner's exemption
2025	$3,342.00 (+126.42%)	$137,800 (-) Land $18,000 Building $119,800	$172,250 (+18.75%) Land $22,500 Building $149,750
2023		$137,800 (-) Land $18,000 Building $119,800	$145,053 (+5.26%) Land $18,947 Building $126,106
2022		$137,800 Land $18,000 Building $119,800	$137,800 Land $18,000 Building $119,800
2021	$1,476.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	7 (1993–2021)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, May 2014 · 5 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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