445 E Lake Rd, Penn Yan, NY 14527 Property Records

Yates County and Milo Town property record for 445 E Lake Rd, Penn Yan, NY 14527

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,619 sqft · built 1880
Lot Size	0.286 acres (12,480 sqft)
Owner	2 Individual Names on File
Last Sale	$567,450 (Sep 2018)
Tax Bill	$12,216 (2026)
Deeds & Mortgages	Aug 2020 Mortgage Dec 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`573089 85.47-1-9`

Property Details

APN / Parcel Number

Primary APN	`573089 85.47-1-9`
Alternative APNs	`308908504700010090000000` `0762-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,619 sqft Living Area
1st Floor Area	863 sqft
2nd Floor Area	756 sqft

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1880
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	12,480 sqft (0.286 acres)
Lot Dimensions	208 ft deep x 60 ft wide
View / Lot	Waterfront

Exterior Amenities

Porch	Slab
Porch Area	330 sqft
Shed	1 Shed
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0762-000
Street Address	445 E LAKE RD
City	PENN YAN
State	NY
Zip	14527-9418
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Block	1
Legal Lot Number	9.000
Jurisdiction	YATES NY
Township / Civil Division	MILO
Census Block Group	2
Census Block	2021
Census Tract	150502

Owner

445 E Lake Rd is owned by two individuals who bought it in September 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	68 THORNDYKE RD, ROCHESTER, NY 14617-3802
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
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARKSIDE LENDING LLC
Dec 30, 2019	Deed of Trust, Mortgage · Line of Credit CORNING FCU
Aug 7, 2020	Warranty Deed, Transfer
Sep 21, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on File
Deed Sale	Sep 21, 2018 · Amount on File
Deed Document Number	20182438
Deed Book / Page	743 / 35
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	445 E LAKE RD, PENN YAN, NY 14527-9418
Transaction Type	Mortgage
Record Updated	Mar 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	MT1167/309
Date	Aug 7, 2020
Book Page	MT 1167/309
Instrument	2020-00001878

Lender

Name	PARKSIDE LENDING LLC
Type	Lending Institution
Address	SAN FRANCISCO, CA 94102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	445 E LAKE RD, PENN YAN, NY 14527-9418
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1146/087
Date	Dec 30, 2019
Book Page	MT 1146/087
Instrument	2019-00003181

Lender

Name	CORNING FCU
Type	Credit Union
Address	CORNING, NY 14830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Dec 29, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YATES NY
Recording Date	Aug 7, 2020
Property Address	445 E LAKE RD, PENN YAN, NY 14527-9418
Document Number	0DA771/341
Book / Page	DA 771 / 341
Instrument Date	Aug 2, 2020
Instrument	2020-00001877
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2417 BLUE SPRUCE LN, 2417, PENN YAN, NY 14527-9427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	68 THORNDYKE RD, ROCHESTER, NY 14617-3802

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YATES NY
Recording Date	Sep 21, 2018
Property Address	445 E LAKE RD, PENN YAN, NY 14527-9418
Document Number	0DE743/035
Book / Page	DE 743 / 035
Instrument Date	Sep 11, 2018
Instrument	2018-00002438
Transaction Type	Transfer
Record Updated	May 10, 2022

Transaction

Amount	Amount on Record
Tax	$2,270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	321 S SAINT ASAPH ST, 321, ALEXANDRIA, VA 22314-3745

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	5165 TWITCHELL RD, RUSHVILLE, NY 14544-9719

Tax Assessment & Valuation

The 2026 property tax bill for 445 E Lake Rd was $12,216, up 2.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,216.00 (+2.85%)
2025	$11,878.00	$680,000 Land $276,900 Building $403,100	$829,300 Land $337,696 Building $491,604
2023		$680,000 Land $276,900 Building $403,100	$680,000 Land $276,900 Building $403,100
2020	$12,169.00

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

Flood

FEMA maps place 445 E Lake Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	5 (2014–2026)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Apr 2026 · rainfall accumulation

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 445 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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