Yates County and Milo Town property record for 520 E Lake Rd, Penn Yan, NY 14527
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 4,091 sqft · built 2014 |
| Lot Size | 0.633 acres (27,600 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $16,985 (2026) |
| Deeds & Mortgages | Jul 2026 Transfer Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0192-000 |
| Primary APN | 0192-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,091 sqft Living Area |
| 1st Floor Area | 2,342 sqft |
| 2nd Floor Area | 1,749 sqft |
| Upper Floors Area | 639 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Colonial |
| Exterior Material | Composition/Composite |
| Foundation Type | Raised |
| Lot Area | 27,600 sqft (0.633 acres) |
| Lot Dimensions | 461 ft deep x 58 ft wide |
| View / Lot | Waterfront |
| Garage Type | Mixed |
| Garage Area | 1,274 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 360 sqft |
| Boat Access | Boat Access |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0192-000 |
|---|---|
| Street Address | 520 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 | HEWITTS POINT COTTAGE |
| Legal Block | 1 |
| Legal Lot Number | 14.000 |
| Jurisdiction | YATES NY |
| Township / Civil Division | MILO |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 150502 |
520 E Lake Rd is owned and occupied by two individuals.
Source: Yates County and Milo Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 520 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.
| Date | Document |
|---|---|
| Jul 14, 2026 | Transfer on Death Deed, Transfer |
| Jan 27, 2021 | Deed of Trust, Mortgage · Line of Credit ESL FCU |
| Jul 6, 2017 | Deed of Trust, Mortgage · Line of Credit ESL FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | YATES NY |
| Recording Date | Jul 14, 2026 |
| Property Address | 520 E LAKE RD, PENN YAN, NY 14527-9422 |
| Document Number | 0000020816 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 202620816 |
| Transaction Type | Transfer |
| Record Updated | Aug 26, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 78-7023 AUMOE ST, KAILUA KONA, HI 96740-2858 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YATES NY |
| Property Address | 520 E LAKE RD, PENN YAN, NY 14527-9422 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20213747 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 2021-3747 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 77 Months |
| Due | Jun 8, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YATES NY |
| Property Address | 520 E LAKE RD, PENN YAN, NY 14527-9422 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 2017-00001674 |
|---|---|
| Date | Jul 6, 2017 |
| Book Page | MT 1067/037 |
| Instrument | 2017-00001674 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Address | Rochester, NY 14604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 12, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 520 E Lake Rd was $16,985 with a homeowner's exemption, up 2.9% from the year before.
Source: Yates County and Milo Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Yates County |
| County Subdivision | Milo Town |
| Unified School District | Penn Yan Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,985.00 (+2.88%) Homeowner's exemption | ||
| 2025 | $16,510.00 | $960,000 Land $333,200 Building $626,800 | $1,170,700 Land $406,330 Building $764,370 |
| 2023 | $960,000 Land $333,200 Building $626,800 | $960,000 Land $333,200 Building $626,800 | |
| 2020 | $16,007.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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.
The area around 520 E Lake Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 42 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 |
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