1076 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 1076 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,274 sqft · built 1992
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Apr 2018)
Tax Bill	$15,784 (2026)
Deeds & Mortgages	Apr 2021 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone AO (high risk)
APN	`265489 049.11-1-20`

Property Details

APN / Parcel Number

Primary APN	`265489 049.11-1-20`
Alternative APNs	`54890491100001020000` `03441000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,274 sqft Living Area
1st Floor Area	1,734 sqft
2nd Floor Area	540 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	160 ft deep x 65.9 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	560 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03441000000
Street Address	1076 LAKE RD
City	WEBSTER
State	NY
Zip	14580-9004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1008
Census Tract	11302

Owner

1076 Lake Rd is owned and occupied by two individuals who bought it in April 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1076 LAKE RD, WEBSTER, NY 14580-9004
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

Date	Document
Apr 19, 2021	Deed of Trust, Mortgage · Line of Credit THE LYONS NATIONAL BANK
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage LYONS NAT'L BK
Jul 16, 2018	Loan Modification, Mortgage · Conventional Mortgage VISIONS FCU
Apr 20, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2018 · Amount on File
Deed Sale	Apr 20, 2018 · Amount on File
Prior Sale	Sep 5, 2008 · Amount on File
Deed Document Number	2018660
Deed Book / Page	12014 / 168
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1076 LAKE RD, WEBSTER, NY 14580-9004
Transaction Type	Mortgage
Record Updated	Jun 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 LAKE RD, WEBSTER, NY 14580-9004

Mortgage

Document Number	0000000450
Date	Apr 19, 2021
Book Page	29154/450
Instrument	202104190873

Lender

Name	THE LYONS NATIONAL BANK
Type	Bank
Address	GENEVA, NY 14456

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1076 LAKE RD, WEBSTER, NY 14580-9004
Document Number	0000000283
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 LAKE RD WEBSTER NY 145809004, WEBSTER, NY 14580-9004

Mortgage

Document Number	0000000283
Date	Dec 14, 2020
Book Page	028910/000187
Instrument	283

Lender

Name	LYONS NAT'L BK
Type	Bank
Address	GENEVA, NY 14456

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 13, 2035

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	1076 LAKE RD, WEBSTER, NY 14580-9004
Document Number	0000000080
Instrument Date	Jul 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 LAKE RD WEBSTER NY 145809004, WEBSTER, NY 14580-9004

Mortgage

Document Number	0000000080
Date	Jul 20, 2018
Book Page	027687/000001
Instrument	80

Lender

Name	VISIONS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 19, 2033

Interest

Rate	3.75%

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE NY
Recording Date	Apr 20, 2018
Property Address	1076 LAKE RD, WEBSTER, NY 14580-9004
Document Number	0000000660
Book / Page	12014 / 168
Map Reference	LB 3587 PG 402
Instrument Date	Apr 11, 2018
Instrument	201804200660
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Tax	$1,560.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2717 FURLONG RD, 2717, DOYLESTOWN, PA 18902-1607

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1076 LAKE RD, WEBSTER, NY 14580-9004

Tax Assessment & Valuation

The 2026 property tax bill for 1076 Lake Rd was $15,784, down 15.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,784.00 (-15.14%)
2025	$18,601.00	$332,800 Land $105,800 Building $227,000	$693,300 Land $220,406 Building $472,894
2023		$382,200 (-) Land $105,800 Building $276,400	$659,000 (+10.35%) Land $182,423 Building $476,577
2022		$382,200 Land $105,800 Building $276,400	$597,200 Land $165,316 Building $431,884
2021	$17,823.00

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

Flood

FEMA maps place 1076 Lake Rd in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

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

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Claims	3 (1996–2009)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Mar 2009 · river or lake 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 1076 Lake Rd is low, with less than 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MCWA public/private · serves 525,262 people · EPA ID NY2701047
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jan 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 36 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Rd

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