Steuben County and Wayland Town property record for 48 E Lake Rd, Cohocton, NY 14826
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1.5 ba · 1,408 sqft · built 2015 |
| Lot Size | 0.112 acres (4,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,900 (Apr 2023) |
| Tax Bill | $7,920 (2026) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage May 2018 Mortgage + 2 more |
| APN | 0003405-000 |
| Primary APN | 0003405-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 2 Rooms |
| Stories | 2 Stories |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 704 sqft |
| 2nd Floor Area | 704 sqft |
| Game Room | Game Room |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,900 sqft (0.112 acres) |
| Lot Dimensions | 90.7 ft deep x 70.4 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 786 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0003405-000 |
|---|---|
| Street Address | 48 E LAKE RD |
| City | COHOCTON |
| State | NY |
| Zip | 14826-9757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AW |
| Legal Description | PALACE RD HUGHES LAKE LIFE USE JOSEPH TRACY |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | STEUBEN NY |
| Township / Civil Division | WAYLAND |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 960400 |
48 E Lake Rd is owned by two individuals who bought it in April 2023.
Source: Steuben County and Wayland Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 54 EAST ST, HONEOYE FALLS, NY 14472-1229 |
| 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 |
|---|---|
| Apr 4, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage PITTSFORD FCU |
| May 7, 2018 | Deed of Trust, Mortgage WELLS FARGO BANK NA |
| Apr 4, 2017 | Deed of Trust, Mortgage SERVU FEDERAL CREDIT UNION |
| May 7, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on File |
| Deed Sale | Apr 4, 2023 · Amount on File |
| Prior Sale | May 7, 2018 · Amount on File |
| Deed Book / Page | 3021 / 85 |
| Prior Transfer Date | May 2, 2006 |
| Prior Transfer Doc | 0000002021/000000015 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | Apr 4, 2023 |
| Property Address | 48 E LAKE RD, COHOCTON, NY 14826-9757 |
| Document Number | 0003021/85 |
| Book / Page | 3021 / 85 |
| Instrument Date | Mar 31, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2023 |
| 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 |
|---|---|
| Address | 98 LAF A LOT RD, WAYLAND, NY 14572-9438 |
| Document Number | 0000496038 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 4960/38 |
| Name | PITTSFORD FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.8% |
| Type Change Date | Apr 1, 2028 |
| Max Rate At Change | 2.2% |
| Index | 5-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 48 E LAKE RD, COHOCTON, NY 14826-9757 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004292/0000000096 |
|---|---|
| Date | May 7, 2018 |
| Book Page | 0000004292/0000000096 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 356 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEUBEN NY |
| Property Address | 48 E LAKE RD, COHOCTON, NY 14826-9757 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2019 |
| Name | Verified Name |
|---|
| Document Number | 0000004159/0000000183 |
|---|---|
| Date | Apr 4, 2017 |
| Book Page | 0000004159/0000000183 |
| Name | SERVU FEDERAL CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 177 Months |
| Due | Jan 1, 2032 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEUBEN NY |
| Recording Date | May 7, 2018 |
| Property Address | 48 E LAKE RD, COHOCTON, NY 14826-9757 |
| Document Number | 002707/283 |
| Book / Page | 2707 / 283 |
| Instrument Date | Apr 20, 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 |
|---|---|
| Address | 657 BROOKEVILLE DR, WEBSTER, NY 14580-4036 |
The 2026 property tax bill for 48 E Lake Rd was $7,920, 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 | $7,920.00 (+1.45%) | ||
| 2025 | $7,807.00 | $233,400 Land $74,200 Building $159,200 | $311,200 Land $98,933 Building $212,267 |
| 2023 | $233,400 Land $74,200 Building $159,200 | $256,484 Land $81,539 Building $174,945 |
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 48 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 48 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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