Wayne County and Lyons Town property record for 98 Water St, Lyons, NY 14489
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 3,320 sqft · built 1850 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,329 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Nov 2022 Transfer |
| APN | 0418-00 |
| Primary APN | 0418-00 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 12 Rooms |
| Stories | 2 Stories |
| Building Area | 3,320 sqft Total Area |
| 1st Floor Area | 1,744 sqft |
| 2nd Floor Area | 1,576 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Garage Type | Carport |
| Garage Area | 768 sqft |
| Carport | Carport |
| Carport Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 312 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 0418-00 |
|---|---|
| Street Address | 98 WATER ST |
| City | LYONS |
| State | NY |
| Zip | 14489-1237 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Block | 12 |
| Legal Lot Number | 984.649 |
| Jurisdiction | WAYNE NY |
| Township / Civil Division | LYONS |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 21400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Broad Street-Water Street Historic District listed 1973 · 25 contributing resources · NRIS 73001284 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Wayne County and Lyons Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 98 WATER ST, LYONS, NY 14489-1237 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 8, 2026 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK |
| Nov 16, 2022 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 9, 2022 |
| Transfer Doc | 00R9321911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAYNE NY |
| Recording Date | Jun 8, 2026 |
| Property Address | 98 WATER ST, LYONS, NY 14489-1237 |
| Document Number | 0009352476 |
| Instrument Date | May 26, 2026 |
| Instrument | 20269352476 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 98 WATER ST, LYONS, NY 14489-1237 |
| Document Number | 0009352476, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 20269352476 |
| Name | CITIZENS BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jul 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WAYNE NY |
| Recording Date | Nov 16, 2022 |
| Property Address | 98 WATER ST, LYONS, NY 14489-1237 |
| Document Number | 00R9321911 |
| Instrument Date | Nov 9, 2022 |
| Instrument | R9321911 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 98 WATER ST, LYONS, NY 14489-1237 |
Source: Wayne County and Lyons Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Wayne County |
| County Subdivision | Lyons Town |
| Unified School District | Lyons Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,329.00 (+4.26%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $3,193.00 | $130,000 (+88.95%) Land $16,200 Building $113,800 | $130,000 (+20.93%) Land $16,200 Building $113,800 |
| 2023 | $68,800 Land $6,500 Building $62,300 | $107,500 Land $10,156 Building $97,344 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 3 in force |
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.
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: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ARCADIA-LYONS CSA private · serves 5,800 people · EPA ID NY5821130 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2024 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 326 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 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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