120 Cuddeback Rd, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 120 Cuddeback Rd, Phelps, NY 14532

Property Summary

Property Type	Rural Home
Details	6 bd · 1 ba · 2,716 sqft · built 1879
Lot Size	89.4 acres (3,894,264 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2022)
Tax Bill	$15,018 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2022 Sale & Mortgage + 1 more
APN	`0603-000-06`

Property Details

APN / Parcel Number

Primary APN	`0603-000-06`
Alternative APNs	`324089 37.00-1-22.000` `40890370000001022000`

Interior

Bedrooms	6 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,716 sqft Living Area
1st Floor Area	1,536 sqft
2nd Floor Area	784 sqft
Upper Floors Area	396 sqft

Exterior

Year Built	Built 1879
Effective Year Built	Effective 1879
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	3,894,264 sqft (89.4 acres)
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	354 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0603-000-06
Street Address	120 CUDDEBACK RD
City	PHELPS
State	NY
Zip	14532-9543
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	04 - FARM
Legal Description	92.3 ACRES
Legal Block	1
Legal Lot Number	22.000
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	4
Census Block	4042
Census Tract	50402

Owner

Source: Ontario County and Phelps 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	120 CUDDEBACK RD, PHELPS, NY 14532-9543
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Deed of Trust, Mortgage · Line of Credit FARM CREDIT
Oct 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage WEAVERLAND FINANCIAL AID
Feb 10, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2022 · Amount on Record
Deed Sale	Oct 21, 2022 · Amount on Record
Prior Sale	Feb 10, 2020 · Amount on Record
Deed Document Number	2022129
Deed Book / Page	1506 / 841
Prior Transfer Date	Oct 20, 2022
Prior Transfer Doc	001506/841
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	120 CUDDEBACK RD, PHELPS, NY 14532-9543
Transaction Type	Mortgage
Record Updated	Dec 10, 2025
Title Company	TIMES SQUARE ABSTRACT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003340/985
Date	Nov 13, 2025
Book Page	3340/985
Instrument	202511130094

Lender

Name	FARM CREDIT

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Oct 21, 2022
Property Address	120 CUDDEBACK RD, PHELPS, NY 14532-9543
Document Number	001506/841
Book / Page	1506 / 841
Instrument Date	Oct 20, 2022
Instrument	202210210129
Transaction Type	Transfer
Record Updated	Apr 25, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety

Mortgage

Document Number	220102100130
Date	Oct 21, 2022
Instrument	220102100130

Lender

Name	WEAVERLAND FINANCIAL AID

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Feb 10, 2020
Property Address	120 CUDDEBACK RD, PHELPS, NY 14532-9543
Document Number	001445/706
Book / Page	1445 / 706
Instrument Date	Feb 6, 2020
Transaction Type	Transfer
Record Updated	Apr 29, 2022

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

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Phelps Town
Unified School District	Phelps-Clifton Springs Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$15,018.00 (+58.05%)
2025	$9,502.00	$522,000 (-) Land $309,200 Building $212,800	$725,000 (+13.89%) Land $429,444 Building $295,556
2023		$522,000 Land $309,200 Building $212,800	$636,600 Land $377,082 Building $259,518

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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