495 Lower Creek Rd, Ithaca, NY 14850 Property Records

Tompkins County and Dryden Town property record for 495 Lower Creek Rd, Ithaca, NY 14850

Property Summary

Property Type	Duplex
Details	6 bd · 4 ba · 2,623 sqft · built 1995
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Last Sale	$208,000 (Jan 2010)
Tax Bill	$9,222 (2026)
Deeds & Mortgages	Nov 2025 Transfer Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`502489 53.-1-14.1`

Property Details

APN / Parcel Number

Primary APN	`502489 53.-1-14.1`
Alternative APN	`248905300000010140010000`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,623 sqft Total Area
1st Floor Area	2,623 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	44,867 sqft (1.03 acres)
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	495 LOWER CREEK RD
City	ITHACA
State	NY
Zip	14850-9104
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Block	1
Legal Lot Number	14.001
Jurisdiction	TOMPKINS NY
Township / Civil Division	DRYDEN
Census Block Group	2
Census Block	2062
Census Tract	1500

Owner

495 Lower Creek Rd, a duplex, is owned by an individual who acquired it in November 2020.

Source: Tompkins County and Dryden Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1462 E TAMASSEE DR, SENECA, SC 29672-7983
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 6, 2025	Quit Claim Deed, Transfer Quitclaim
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage CFCU CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 12, 2010 · Amount on File
Deed Sale	Jan 12, 2010 · Amount on File
Prior Sale	Jun 23, 2003 · Amount on File
Deed Book / Page	55319 / 1001
Last Transfer Date	Nov 17, 2020
Transfer Doc	2650
Record Updated	Oct 29, 2026

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	TOMPKINS NY
Recording Date	Nov 6, 2025
Property Address	495 LOWER CREEK RD, ITHACA, NY 14850-9104
Document Number	0000001063
Instrument Date	Oct 31, 2025
Instrument	2025-11063
Transaction Type	Transfer
Record Updated	Dec 10, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TOMPKINS NY
Property Address	495 LOWER CREEK RD, ITHACA, NY 14850-9104
Document Number	0000012651
Instrument Date	Dec 3, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	516 SPENCER RD ITHACA NY 148505108, ITHACA, NY 14850-5108

Mortgage

Document Number	0000012651
Date	Dec 14, 2020
Instrument	12651

Lender

Name	CFCU CMNTY CU
Type	Credit Union
Address	ITHACA, NY 14850

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 13, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 495 Lower Creek Rd was $9,222.

Source: Tompkins County and Dryden Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Tompkins County
County Subdivision	Dryden Town
Unified School District	Ithaca City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,222.00
2025		$330,000 (-) Land $25,100 Building $304,900	$330,000 (-) Land $25,100 Building $304,900
2024		$330,000 (+26.92%) Land $25,100 Building $304,900	$330,000 (+26.92%) Land $25,100 Building $304,900
2023		$260,000 Land $25,100 Building $234,900	$260,000 Land $25,100 Building $234,900
2019	$2,531.00

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

Flood

FEMA maps place 495 Lower Creek 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 A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2017)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2017 · other causes

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 495 Lower Creek 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	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 32 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
Verizon Fixed Wireless	300 / 20

May also be available: Fiberspark, T-Mobile.

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