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

Yates County and Milo Town property record for 490 E Lake Rd, Penn Yan, NY 14527

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,568 sqft · built 1960
Lot Size	0.629 acres (27,400 sqft)
Owner	2 Individual Names on File
Last Sale	$585,000 (Jul 2020)
Tax Bill	$10,063 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`573089 85.70-1-3`

Property Details

APN / Parcel Number

Primary APN	`573089 85.70-1-3`
Alternative APNs	`308908507000010030000000` `0937-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	1,568 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	27,400 sqft (0.629 acres)
Lot Dimensions	274 ft deep x 100 ft wide
View / Lot	Waterfront / Beach

Exterior Amenities

Porch	Slab
Porch Area	84 sqft
Shed	1 Shed
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0937-000
Street Address	490 E LAKE RD
City	PENN YAN
State	NY
Zip	14527-9422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LR
Legal Block	1
Legal Lot Number	3.000
Jurisdiction	YATES NY
Township / Civil Division	MILO
Census Block Group	2
Census Block	2022
Census Tract	150502

Owner

490 E Lake Rd is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	490 E LAKE RD, PENN YAN, NY 14527-9422
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
Jul 23, 2026	Deed of Trust, Mortgage · Line of Credit LYONS NATIONAL BANK
Jul 2, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Sep 9, 2016 · Amount on File
Deed Document Number	20201562
Deed Book / Page	770 / 291
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Recording Date	Jul 23, 2026
Property Address	490 E LAKE RD, PENN YAN, NY 14527-9422
Document Number	0000020897
Instrument Date	Jul 13, 2026
Instrument	202620897
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E LAKE RD, PENN YAN, NY 14527-9422

Mortgage

Document Number	0000020897,
Date	Jul 23, 2026
Instrument	202620897

Lender

Name	LYONS NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.79%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 20, 2056
Change Frequency	15 Years
Index	Prime Rate
Max Rate	16%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	YATES NY
Recording Date	Jul 2, 2020
Property Address	490 E LAKE RD, PENN YAN, NY 14527-9422
Document Number	0DE770/291
Book / Page	DE 770 / 291
Instrument Date	Jul 1, 2020
Instrument	2020-00001562
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Tax	$2,340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	835 OLD PINES TRL, 835, PENN YAN, NY 14527-1451

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	666 RICHARDOISN ROAD, VICTOR, NY 14564

Tax Assessment & Valuation

The 2026 property tax bill for 490 E Lake Rd was $10,063, 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	$10,063.00 (+2.81%)
2025	$9,788.00	$553,600 Land $238,000 Building $315,600	$675,100 Land $290,234 Building $384,866
2023		$553,600 Land $238,000 Building $315,600	$553,600 Land $238,000 Building $315,600
2020	$8,442.00

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

Flood

FEMA maps place 490 E Lake Rd in Zone X, an area of minimal flood risk, within 500 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 AE, within 500 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 490 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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