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

Yates County and Milo Town property record for 496 E Lake Rd, Penn Yan, NY 14527

Property Summary

Property Type	Single Family Home
Details	8 bd · 3.5 ba · 2,720 sqft · built 1960
Lot Size	0.523 acres (22,800 sqft)
Owner	Trust Name on File
Last Sale	$285,000 (May 2003)
Tax Bill	$13,398 (2026)
Deeds & Mortgages	Nov 2024 Transfer Jun 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`573089 85.70-1-7`

Property Details

APN / Parcel Number

Primary APN	`573089 85.70-1-7`
Alternative APNs	`308908507000010070000000` `0461-000`

Interior

Bedrooms	8 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,720 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,488 sqft
Basement Area	560 sqft
Finished Basement	560 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	22,800 sqft (0.523 acres)
Lot Dimensions	228 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	1,381 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0461-000
Street Address	496 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 Subdivision	PHELPS & GORHAM PURCHASE
Legal Block	1
Legal Lot Number	7.000
Jurisdiction	YATES NY
Township / Civil Division	MILO
Census Block Group	2
Census Block	2022
Census Tract	150502

Owner

496 E Lake Rd is held in a trust since October 2024.

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

Owner of Record	Trust Name on File
Mailing Address	801 W CLINTON ST, ELMIRA, NY 14905-2107
Owner Type	Company
Vesting	Trust, Irrevocable Trust

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 1, 2024	Intrafamily Transfer, Transfer
Jun 8, 2018	Deed of Trust, Mortgage ELMIRA SAVINGS BANK FSB
Jun 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage CORNING FCU
Jun 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage PHH MORTGAGE SERVICES CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2003 · Amount on File
Deed Sale	May 1, 2003 · Amount on File
Prior Sale	Jul 7, 1998
Deed Document Number	2003
Deed Book / Page	482 / 70
Last Transfer Date	Oct 30, 2024
Transfer Doc	0202415840
Record Updated	Oct 29, 2026

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	YATES NY
Recording Date	Nov 1, 2024
Property Address	496 E LAKE RD, PENN YAN, NY 14527-9422
Document Number	0202415840
Instrument Date	Oct 30, 2024
Instrument	2024-15840
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 W CLINTON ST, ELMIRA, NY 14905-2107

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	801 W CLINTON ST, ELMIRA, NY 14905-2107

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	496 E LAKE RD, PENN YAN, NY 14527-9422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1097/069
Date	Jun 8, 2018
Book Page	MT 1097/069
Instrument	2018-00001462

Lender

Name	ELMIRA SAVINGS BANK FSB
Type	Bank
Address	ELMIRA, NY 14901

Agreement

Amount	Amount on Record

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	496 E LAKE RD, PENN YAN, NY 14527-9422
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1162/118
Date	Jun 17, 2020
Book Page	MT 1162/118
Instrument	2020-00001415

Lender

Name	CORNING FCU
Type	Credit Union
Address	CORNING, NY 14830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2035

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	YATES NY
Property Address	496 E LAKE RD, PENN YAN, NY 14527-9422
Transaction Type	Mortgage
Record Updated	Jul 30, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT1127/028
Date	Jun 18, 2019
Book Page	MT 1127/028
Instrument	2019-00001288

Lender

Name	PHH MORTGAGE SERVICES CORP
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 496 E Lake Rd was $13,398, up 2.9% 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	$13,398.00 (+2.86%)
2025	$13,026.00	$749,400 Land $279,900 Building $469,500	$913,900 Land $341,341 Building $572,559
2023		$627,200 Land $279,900 Building $347,300	$627,200 Land $279,900 Building $347,300
2020	$10,355.00

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

Flood

FEMA maps place 496 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 496 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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