489 Main St, Arcade, NY 14009 Property Records

Wyoming County and Arcade Town property record for 489 Main St, Arcade, NY 14009

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1900
Lot Size	0.609 acres (26,560 sqft)
Owner	Individual Name on Record
Last Sale	$319,000 (Nov 2025)
Tax Bill	$4,996 (2026)
Deeds & Mortgages	Sep 2025 Refinance Nov 2025 Sale & Mortgage
APN	`562001 183.13-1-8.1`

Property Details

APN / Parcel Number

Primary APN	`562001 183.13-1-8.1`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,584 sqft Living Area
1st Floor Area	912 sqft
2nd Floor Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	26,560 sqft (0.609 acres)
Lot Dimensions	320 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	176 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	489 MAIN ST
City	ARCADE
State	NY
Zip	14009-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HC
Legal Block	1
Legal Lot Number	8.001
Jurisdiction	WYOMING NY
Township / Civil Division	ARCADE
Census Block Group	3
Census Block	3003
Census Tract	971000

Owner

Source: Wyoming County and Arcade 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	Individual Name on Record
Mailing Address	7316 ROUTE 98, ARCADE, NY 14009-9713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance BANK OF HOLLAND
Nov 24, 2025	Warranty Deed, Transfer · Conventional Mortgage TOMPKINS COMMUNITY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Aug 4, 1998 · Amount on Record
Deed Document Number	20253907
Deed Book / Page	837 / 1
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WYOMING NY
Property Address	489 MAIN ST, ARCADE, NY 14009-1003
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010510269
Date	Sep 22, 2025
Book Page	1051/269
Instrument	3077

Lender

Name	BANK OF HOLLAND
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WYOMING NY
Recording Date	Nov 24, 2025
Property Address	489 MAIN ST, ARCADE, NY 14009-1003
Document Number	0008370001
Book / Page	837 / 1
Instrument Date	Nov 18, 2025
Instrument	3907
Transaction Type	Transfer
Record Updated	Apr 21, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7316 ROUTE 98, ARCADE, NY 14009-9713

Mortgage

Document Number	0000003908
Date	Nov 24, 2025
Instrument	3908

Lender

Name	TOMPKINS COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Dec 1, 2040
Index	1-Year CMT
Margin	3

Tax Assessment & Valuation

Source: Wyoming County and Arcade Town assessment roll, as of May 12, 2026

Property Jurisdictions

Type	Name
State	New York
Municipality	Arcade Village
County	Wyoming County
County Subdivision	Arcade Town
Unified School District	Yorkshire-Pioneer Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,996.00 (+6.93%) Homeowner's exemption
2025	$4,672.00 (+0.37%)	$130,000 (-) Land $15,500 Building $114,500	$151,200 (+1.19%) Land $18,028 Building $133,172
2024	$4,655.00 (+88.92%) Homeowner's exemption	$130,000 (-) Land $15,500 Building $114,500	$149,425 (+3.45%) Land $17,816 Building $131,609
2023		$130,000 (+26.21%) Land $15,500 Building $114,500	$144,444 (+34.63%) Land $17,222 Building $127,222
2022	$2,464.00 Homeowner's exemption	$103,000 Land $15,500 Building $87,500	$107,292 Land $16,146 Building $91,146

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	2 (1989–1998)
Most Recent Claim	Jun 1998 · Severe Storms 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ARCADE VILLAGE serves 2,630 people · EPA ID NY6000608
Water Source	Groundwater
Last State Inspection	Sep 2021
Lead	4 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 100 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

May also be available: T-Mobile, Verizon.

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