12 Clover Ln, Victor, NY 14564 Property Records

Ontario County and Victor Town property record for 12 Clover Ln, Victor, NY 14564

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,240 sqft · built 1957
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Sep 2019)
Tax Bill	$4,678 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Sep 2019 Mortgage + 1 more
APN	`CLOVER 03`

Property Details

APN / Parcel Number

Primary APN	`CLOVER 03`
Alternative APNs	`324801 16.18-2-17.000` `48010160180002017000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	150 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	130 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	CLOVER 03
Street Address	12 CLOVER LN
City	VICTOR
State	NY
Zip	14564-1214
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	0.25 ACRE
Legal Block	2
Legal Lot Number	17.000
Jurisdiction	ONTARIO NY
Township / Civil Division	VICTOR
Census Block Group	3
Census Block	3010
Census Tract	50105

Owner

12 Clover Ln is owned and occupied by an individual who bought it in September 2019.

Source: Ontario County and Victor Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	12 CLOVER LN, VICTOR, NY 14564-1214
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
Jul 7, 2023	Deed of Trust, Mortgage · Line of Credit EASTERN SAVINGS & LOAN ASSN
Sep 12, 2019	Deed of Trust, Mortgage · Second Mortgage (Down Payment) FEDERAL HOME LOAN BANK OF CHICAGO
Sep 12, 2019	Warranty Deed, Transfer · FHA Mortgage GENESEE REGIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2019 · Amount on File
Deed Sale	Sep 12, 2019 · Amount on File
Deed Book / Page	1435 / 762
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	12 CLOVER LN, VICTOR, NY 14564-1214
Transaction Type	Mortgage
Record Updated	Dec 26, 2023
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000322/729
Date	Jul 7, 2023
Book Page	322/729
Instrument	202307070019

Lender

Name	EASTERN SAVINGS & LOAN ASSN

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	12 CLOVER LN, VICTOR, NY 14564-1214
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2905/966
Date	Sep 12, 2019
Book Page	2905/966

Lender

Name	FEDERAL HOME LOAN BANK OF CHICAGO

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Sep 12, 2019
Property Address	12 CLOVER LN, VICTOR, NY 14564-1214
Document Number	001435/762
Book / Page	1435 / 762
Instrument Date	Sep 6, 2019
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount 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

Mortgage

Document Number	0002905954
Date	Sep 12, 2019
Instrument	2905/954

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	001435/762
Date	Sep 12, 2019
Book Page	1435/762

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 12 Clover Ln was $4,678, up 0.5% from the year before.

Source: Ontario County and Victor Town assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Victor Town
Municipality	Victor Village
Unified School District	Victor Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,678.00 (+0.45%)
2025	$4,657.00	$134,000 Land $31,000 Building $103,000	$200,000 Land $46,269 Building $153,731
2023		$134,000 Land $31,000 Building $103,000	$169,600 Land $39,236 Building $130,364

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

Flood

FEMA has no flood map on file for 12 Clover Ln; 1 flood insurance policy is in force nearby.

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	1 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.

Wildfire

Wildfire risk around 12 Clover Ln 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 96% of the US · lower than 95% 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 - GENEVA serves 8,532 people · EPA ID NY3404515
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	4 ppb (2025) action level 15 ppb
Copper	13 mg/L (2019–2021) action level 1.3 mg/L

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Frontier.

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