1309 Cardinal Ln, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 1309 Cardinal Ln, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,450 sqft · built 1990
Lot Size	0.53 acres (23,087 sqft)
Owner	Individual Name on File
Last Sale	$214,950 (Sep 2011)
Tax Bill	$9,116 (2026)
Deeds & Mortgages	Aug 2025 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEB-0000405`

Property Details

APN / Parcel Number

Primary APN	`WEB-0000405`
Alternative APNs	`54890500300005021000` `265489 050.03-5-21`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,450 sqft Living Area
1st Floor Area	1,354 sqft
2nd Floor Area	1,048 sqft
Upper Floors Area	48 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	23,087 sqft (0.53 acres)
Lot Dimensions	146 ft deep x 127 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	360 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	WEB-0000405
Street Address	1309 CARDINAL LN
City	WEBSTER
State	NY
Zip	14580-9419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0014-14-04 CORNWALL EST SEC II L211 247-39
Legal Subdivision	CORNWALL ESTATES SUBDIVISION
Legal Block	5
Legal Lot Number	21.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1012
Census Tract	11304

Owner

1309 Cardinal Ln is owned and occupied by an individual who bought it in September 2011.

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

Owner of Record	Individual Name on File
Mailing Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419
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
Aug 28, 2025	Deed of Trust, Mortgage · Line of Credit ESL FCU
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Sep 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Mar 24, 2020	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2011 · Amount on File
Deed Sale	Sep 12, 2011 · Amount on File
Prior Sale	Sep 28, 2007 · Amount on File
Deed Document Number	2011422
Deed Book / Page	11040 / 342
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202503328017
Date	Aug 28, 2025
Book Page	31123/706
Instrument	202503328017

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	85 Months
Due	Sep 5, 2032

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419

Mortgage

Document Number	0000000672
Date	Sep 21, 2021
Book Page	29467/672
Instrument	202109211287

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419
Transaction Type	Mortgage
Record Updated	Oct 20, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419

Mortgage

Document Number	0000000001
Date	Sep 21, 2021
Book Page	29468/1
Instrument	202109211288

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1309 CARDINAL LN, WEBSTER, NY 14580-9419
Document Number	0000000004
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 CARDINAL LN WEBSTER NY 145809419, WEBSTER, NY 14580-9419

Mortgage

Document Number	0000000004
Date	Apr 2, 2020
Book Page	028448/000063
Instrument	4

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604-2424

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 1, 2040

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1309 Cardinal Ln was $9,116, up 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	$9,116.00 (+1.01%)
2025	$9,025.00	$195,100 Land $31,600 Building $163,500	$406,500 Land $65,840 Building $340,660
2023		$195,100 (-) Land $31,600 Building $163,500	$336,400 (+10.37%) Land $54,486 Building $281,914
2022		$195,100 Land $31,600 Building $163,500	$304,800 Land $49,368 Building $255,432
2021	$7,861.00

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

Flood

FEMA maps place 1309 Cardinal Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 1309 Cardinal 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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	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 127 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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