172 Main St, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 172 Main St, Phelps, NY 14532

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,540 sqft · built 1900
Lot Size	0.628 acres (27,360 sqft)
Owner	2 Individual Names on File
Last Sale	$145,000 (Nov 2023)
Tax Bill	$5,757 (2026)
Deeds & Mortgages	May 2005 Mortgage Jan 2026 Mortgage + 4 more
APN	`5361-000-06`

Property Details

APN / Parcel Number

Primary APN	`5361-000-06`
Alternative APNs	`324001A0470080002014000` `324001 47.08-2-14.000` `40010470080002014000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,540 sqft Living Area
1st Floor Area	1,501 sqft
2nd Floor Area	1,039 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	27,360 sqft (0.628 acres)
Lot Dimensions	226 ft deep x 120 ft wide
Garage Type	Detached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	628 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5361-000-06
Street Address	172 MAIN ST
City	PHELPS
State	NY
Zip	14532-1055
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	0.5 ACRE
Legal Block	2
Legal Lot Number	14.00
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	1
Census Block	1022
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 File
Mailing Address	172 MAIN ST, COLD SPRING, NY 10516-2817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 5, 2005	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage CNB MORTGAGE CO
Jan 14, 2026	Warranty Deed, Transfer · Conventional Mortgage CNB MORTGAGE CO
Apr 28, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Nov 13, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage CMG MORTGAGE INC
Apr 28, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2023 · Amount on File
Deed Sale	Nov 13, 2023 · Amount on File
Prior Sale	Jul 21, 2000 · Amount on File
Deed Document Number	2023315
Deed Book / Page	1529 / 109
Last Transfer Date	Jan 9, 2026
Transfer Doc	001573/451
Record Updated	Oct 29, 2026

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001730/0000000983
Date	May 5, 2005
Book Page	0000001730/0000000983
Instrument	200505050062

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount on Record
Term	272 Months
Due	Jan 1, 2028

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003350/880
Date	Jan 14, 2026
Book Page	3350/880
Instrument	202612310744

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Jan 14, 2026
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Document Number	001573/451
Book / Page	1573 / 451
Instrument Date	Jan 9, 2026
Instrument	202612310743
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	172 MAIN ST, COLD SPRING, NY 10516-2817

Mortgage

Document Number	0003350880
Date	Jan 14, 2026
Instrument	3350/880

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Transaction Type	Mortgage
Record Updated	Feb 26, 2024
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003060/553
Date	Apr 28, 2021
Book Page	3060/553
Instrument	202104280138

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Nov 13, 2023
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Document Number	001529/109
Book / Page	1529 / 109
Instrument Date	Nov 13, 2023
Instrument	202311130315
Transaction Type	Transfer
Record Updated	Mar 5, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	202311130316
Date	Nov 13, 2023
Instrument	202311130316

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONTARIO NY
Recording Date	Apr 28, 2021
Property Address	172 MAIN ST, PHELPS, NY 14532-1055
Document Number	001471/697
Book / Page	1471 / 697
Instrument Date	Mar 15, 2021
Instrument	202104280137
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

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
Municipality	Phelps Village
Unified School District	Phelps-Clifton Springs Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,757.00 (+20.26%)
2025	$4,787.00 (+3.82%)	$153,000 (+22.4%) Land $16,100 Building $136,900	$212,500 (+32.6%) Land $22,361 Building $190,139
2024	$4,611.00	$125,000 (+13.64%) Land $16,100 Building $108,900	$160,256 (+19.46%) Land $20,641 Building $139,615
2023		$110,000 Land $16,100 Building $93,900	$134,150 Land $19,635 Building $114,515

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	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	PHELPS ROUTE 14 WD serves 400 people · EPA ID NY3430049
Water Source	Purchased surface water from WATERLOO VILLAGE
Last State Inspection	Oct 2024
Also Mapped Here	PHELPS VILLAGE
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 140 locations within half a mile, as of December 31, 2025

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

May also be available: CBN.

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