45 Lyons Dr, Horseheads, NY 14845 Property Records

Chemung County and Big Flats Town property record for 45 Lyons Dr, Horseheads, NY 14845

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,151 sqft · built 1965
Lot Size	0.552 acres (24,069 sqft)
Owner	2 Individual Names on File
Last Sale	$263,000 (Dec 2013)
Tax Bill	$10,648 (2026)
Deeds & Mortgages	Nov 2008 Mortgage May 2017 Mortgage + 4 more
APN	`072400 56.04-2-1`

Property Details

APN / Parcel Number

Primary APN	`072400 56.04-2-1`
Alternative APNs	`240005600400020010000000` `01503042`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,151 sqft Living Area
1st Floor Area	1,744 sqft
2nd Floor Area	1,407 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	24,069 sqft (0.552 acres)
Lot Dimensions	185 ft deep x 130 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	316 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	01503042
Street Address	45 LYONS DR
City	HORSEHEADS
State	NY
Zip	14845-7927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	LOT 42 THUNDERBIRD ACRES
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	CHEMUNG NY
Township / Civil Division	BIG FLATS
Census Block Group	1
Census Block	1015
Census Tract	10301

Owner

45 Lyons Dr is owned and occupied by two individuals who bought it in December 2013.

Source: Chemung County and Big Flats Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2008	Deed of Trust, Mortgage CHEMUNG CANAL TRUST CO
May 15, 2017	Deed of Trust, Mortgage CORNING FEDERAL CREDIT UNION
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNING FCU
Mar 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance CORNING FCU
May 15, 2017	Deed of Trust, Mortgage CORNING FEDERAL CREDIT UNION
Dec 4, 2013	Deed, Transfer CORNING FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2013 · Amount on File
Deed Sale	Dec 4, 2013 · Amount on File
Prior Sale	Dec 21, 2000 · Amount on File
Deed Book / Page	20130 / 28541
Record Updated	Oct 29, 2026

November 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2008111000009436
Date	Nov 10, 2008
Instrument	20081110-00009436

Lender

Name	CHEMUNG CANAL TRUST CO
Type	Funding / Finance Company

Agreement

Amount	Amount on Record

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0201710197
Date	May 15, 2017
Instrument	201710197

Lender

Name	CORNING FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2032

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0202103965
Date	Mar 19, 2021
Instrument	202103965

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Transaction Type	Mortgage
Record Updated	May 4, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202103965
Date	Mar 19, 2021
Instrument	202103965

Lender

Name	CORNING FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEMUNG NY
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	201710197
Date	May 15, 2017
Instrument	201710197

Lender

Name	CORNING FEDERAL CREDIT UNION

Agreement

Amount	Amount on Record
Term	176 Months
Due	Jan 1, 2032

December 2013: Deed, Transfer

Document Type	Deed
Jurisdiction	CHEMUNG NY
Recording Date	Dec 4, 2013
Property Address	45 LYONS DR, HORSEHEADS, NY 14845-7927
Document Number	0000020130/0000028541
Book / Page	0000020130 / 0000028541
Instrument Date	Nov 22, 2013
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 LYONS DR, HORSEHEADS, NY 14845-7927

Mortgage

Document Number	2013120400328542
Date	Dec 4, 2013
Instrument	20131204-00328542

Lender

Name	CORNING FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	337 Months
Due	Jan 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 45 Lyons Dr was $10,648, up 0.9% from the year before.

Source: Chemung County and Big Flats Town assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chemung County
County Subdivision	Big Flats Town
Unified School District	Horseheads Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,648.00 (+0.92%)
2025	$10,551.00	$354,500 Land $24,300 Building $330,200	$416,100 Land $28,523 Building $387,577
2023		$328,200 Land $22,500 Building $305,700	$349,149 Land $23,936 Building $325,213

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

Flood

FEMA has no flood map on file for 45 Lyons Dr; 7 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	7 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 45 Lyons Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BIG FLATS WATER DISTRICT 5 serves 8,489 people · EPA ID NY0701011
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
T-Mobile Fixed Wireless	100 / 20
Xtreme5G Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lyons Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures