8809 State Rte 89, Interlaken, NY 14847 Property Records

Seneca County and Covert Town property record for 8809 State Rte 89, Interlaken, NY 14847

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,026 sqft · built 1946
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jul 2022)
Tax Bill	$2,764 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Sep 2021 Refinance + 4 more
APN	`452089 11-2-06`

Property Details

APN / Parcel Number

Primary APN	`452089 11-2-06`
Alternative APN	`208901100000020060000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,026 sqft Living Area
1st Floor Area	1,026 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	50,530 sqft (1.16 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	8809 STATE ROUTE 89
City	INTERLAKEN
State	NY
Zip	14847-9646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	07
Legal Block	2
Legal Lot Number	6.000
Jurisdiction	SENECA NY
Township / Civil Division	COVERT
Census Block Group	3
Census Block	3038
Census Tract	951000

Owner

Source: Seneca County and Covert Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8809 STATE ROUTE 89, INTERLAKEN, NY 14847-9646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage COMMUNITY BANK NA
Sep 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance VISIONS FCU
Jul 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage INLAND BANK & TRUST
Sep 1, 2021	Deed, Transfer
Sep 10, 2019	Deed, Transfer · ARM VISIONS FCU
Jan 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Sep 10, 2019 · Amount on Record
Deed Document Number	202259321
Deed Book / Page	1060 / 194
Prior Transfer Date	Aug 10, 2021
Prior Transfer Doc	001039/132
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	8809 STATE ROUTE 89, INTERLAKEN, NY 14847-9646
Transaction Type	Mortgage
Record Updated	Mar 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001983/201
Date	Feb 19, 2026
Book Page	1983/201
Instrument	73381

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SENECA NY
Property Address	8809 RTE 89, OVID, NY 14521
Transaction Type	Mortgage
Record Updated	Mar 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001820/40
Date	Sep 1, 2021
Book Page	1820/40
Instrument	54984

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Jul 21, 2022
Property Address	8809 RTE 89, OVID, NY 14521
Document Number	001060/194
Book / Page	1060 / 194
Instrument Date	Jul 15, 2022
Instrument	59321
Transaction Type	Transfer
Record Updated	Mar 21, 2023

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
Relationship	Joint Tenants with Right of Survivorship
Address	3018 COUNTY ROAD 143, INTERLAKEN, NY 14847-9740

Mortgage

Document Number	0000059322
Date	Jul 21, 2022
Instrument	59322

Lender

Name	INLAND BANK & TRUST
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Sep 1, 2021
Property Address	8809 RTE 89, OVID, NY 14521
Document Number	001039/132
Book / Page	1039 / 132
Instrument Date	Aug 10, 2021
Instrument	54983
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8809 STATE ROUTE 89, INTERLAKEN, NY 14847-9646

September 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	SENECA NY
Recording Date	Sep 10, 2019
Property Address	8809 RTE 89, OVID, NY 14521
Document Number	000997/286
Book / Page	997 / 286
Transaction Type	Transfer
Record Updated	Mar 21, 2023

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	8809 STATE ROUTE 89 # NYS, NYS, INTERLAKEN, NY 14847-9646

Mortgage

Document Number	001715/317
Date	Sep 10, 2019
Book Page	1715/317
Instrument	45930

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.1%
Type Change Date	Jul 1, 2030
Index	1-Year CMT
Margin	3

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SENECA NY
Recording Date	Jan 29, 2018
Property Address	8809 RTE 89, OVID, NY 14521
Document Number	0000964/39
Book / Page	964 / 39
Instrument Date	Jan 22, 2018
Instrument	180-00038726
Transaction Type	Transfer
Record Updated	Mar 21, 2023

Transaction

Amount	Amount Recorded
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	8809 STATE ROUTE 89, INTERLAKEN, NY 14847-9646

Tax Assessment & Valuation

Source: Seneca County and Covert Town assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	New York
County	Seneca County
County Subdivision	Covert Town
Unified School District	South Seneca Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,764.00 (-2.92%)
2025	$2,847.00 (+243.43%)	$169,000 (+40.83%) Land $30,500 Building $138,500	$169,000 (+5.63%) Land $30,500 Building $138,500
2023		$120,000 Land $25,100 Building $94,900	$160,000 Land $33,467 Building $126,533
2019	$829.00

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	8 (1993–2021)
Claims Outside the SFHA	3 of 8
Most Recent Claim	Jul 2021 · 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

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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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