Steuben County and Wayland Town property record for 39 E Lake Rd, Cohocton, NY 14826
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,440 sqft · built 1969 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $599,900 (Mar 2024) |
| Tax Bill | $9,484 (2026) |
| Deeds & Mortgages | Mar 2024 Sale & Mortgage Aug 2022 Line of Credit + 4 more |
| APN | 0000902-000 |
| Primary APN | 0000902-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 720 sqft |
| 2nd Floor Area | 720 sqft |
| Basement Area | 480 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 133 ft deep x 70 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
|---|---|
| Porch Area | 1,632 sqft |
| Patio Area | 2,104 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0000902-000 |
|---|---|
| Street Address | 39 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 | FORNESS HIGHWAY WERTH LAKE |
| Legal Block | 1 |
| Legal Lot Number | 10.000 |
| Jurisdiction | STEUBEN NY |
| Township / Civil Division | WAYLAND |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 960400 |
39 E Lake Rd is owned by two individuals who bought it in March 2024.
Source: Steuben County and Wayland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 88 QUAIL RUN, ELMIRA, NY 14903-9313 |
| 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 |
|---|---|
| Mar 11, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage CORNING FCU |
| Aug 15, 2022 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA |
| Nov 10, 2021 | Deed of Trust, Mortgage · ARM QUICKEN LOANS INC |
| Aug 22, 2017 | Deed of Trust, Mortgage COMMUNITY BANK NA |
| Aug 19, 2019 | Deed of Trust, Mortgage · Balloon Mortgage COMMUNITY BANK NA |
| Aug 22, 2017 | Deed, Transfer NOT AVAILABLE, JOHN MCCARTHY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on File |
| Deed Sale | Mar 11, 2024 · Amount on File |
| Prior Sale | Aug 22, 2017 · Amount on File |
| Deed Book / Page | 3084 / 14 |
| Prior Transfer Date | Feb 17, 2010 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | Mar 11, 2024 |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Document Number | 0003084/14 |
| Book / Page | 3084 / 14 |
| Instrument Date | Mar 1, 2024 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2024 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 88 QUAIL RUN, ELMIRA, NY 14903-9313 |
| Document Number | 0000505349 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 5053/49 |
| Name | CORNING FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0004890/58 |
|---|---|
| Date | Aug 15, 2022 |
| Book Page | 4890/58 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2021 |
| Name | Verified Name |
|---|
| Document Number | 4777/262 |
|---|---|
| Date | Nov 10, 2021 |
| Book Page | 4777/262 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.2% |
| Type Change Date | Aug 1, 2031 |
| Index | Other |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004206/0000000159 |
|---|---|
| Date | Aug 22, 2017 |
| Book Page | 0000004206/0000000159 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 353 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 4437/310 |
|---|---|
| Date | Aug 19, 2019 |
| Book Page | 4437/310 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | Aug 22, 2017 |
| Property Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
| Document Number | 0000002667/0000000049 |
| Book / Page | 0000002667 / 0000000049 |
| Instrument Date | Aug 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2022 |
| Title Company | NOT AVAILABLE, JOHN MCCARTHY |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 39 E LAKE RD, COHOCTON, NY 14826-9756 |
The 2026 property tax bill for 39 E Lake Rd was $9,484, up 1.4% 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 | $9,484.00 (+1.44%) | ||
| 2025 | $9,349.00 | $279,500 Land $73,800 Building $205,700 | $372,667 Land $98,400 Building $274,267 |
| 2023 | $279,500 Land $73,800 Building $205,700 | $307,143 Land $81,099 Building $226,044 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA has no flood map on file for 39 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 39 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures