1040 Main St, Mumford, NY 14511 Property Records

Monroe County and Wheatland Town property record for 1040 Main St, Mumford, NY 14511

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,670 sqft · built 1900
Lot Size	0.375 acres (16,335 sqft)
Owner	Individual Name on File
Tax Bill	$4,716 (2026)
Deeds & Mortgages	Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`265689 208.16-1-31.1`

Property Details

APN / Parcel Number

Primary APN	`265689 208.16-1-31.1`
Alternative APNs	`56892081600001031100` `02019000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,670 sqft Living Area
1st Floor Area	1,231 sqft
2nd Floor Area	439 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	16,335 sqft (0.375 acres)
Lot Dimensions	165 ft deep x 99 ft wide
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02019000000
Street Address	1040 MAIN ST
City	MUMFORD
State	NY
Zip	14511-9839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0024- 1-01 VILLAGE LOT SEC F LOTS 9 10 11
Legal Subdivision	SUBDIVISION OF ROBERT J SHERMAN LANDS
Legal Block	1
Legal Lot Number	31.100
Jurisdiction	MONROE NY
Township / Civil Division	WHEATLAND
Census Block Group	4
Census Block	4027
Census Tract	14700

Owner

1040 Main St is owned and occupied by an individual who acquired it in November 2004.

Source: Monroe County and Wheatland Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1040 MAIN ST, MUMFORD, NY 14511-9839
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2004
Deed Sale	Nov 16, 2004
Deed Book / Page	10049 / 451
Record Updated	Oct 29, 2026

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	1040 MAIN ST, MUMFORD, NY 14511-9839
Document Number	0000000577
Book / Page	027324 / 000556
Instrument Date	Jun 16, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1040 MAIN ST MUMFORD NY 145119839, MUMFORD, NY 14511-9839

Mortgage

Document Number	0000000577
Date	Sep 21, 2017
Book Page	027324/000556
Instrument	577

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 20, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 1040 Main St was $4,716 with a homeowner's exemption, up 1% from the year before.

Source: Monroe County and Wheatland Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Wheatland Town
Unified School District	Caledonia-Mumford Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,716.00 (+1.05%) Homeowner's exemption
2025	$4,667.00	$127,900 Land $24,700 Building $103,200	$188,100 Land $36,326 Building $151,774
2023		$127,900 (+9.41%) Land $24,700 Building $103,200	$161,900 (+9.39%) Land $31,266 Building $130,634
2022		$116,900 Land $24,700 Building $92,200	$148,000 Land $31,271 Building $116,729
2021	$2,466.00

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

Flood

FEMA maps place 1040 Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective May 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jan 1998 · Severe Storms And Flooding

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 1040 Main St 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CALEDONIA VILLAGE serves 2,201 people · EPA ID NY2501013
Water Source	Purchased surface water from MCWA
Last State Inspection	Mar 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20