178 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 178 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,197 sqft · built 1991
Lot Size	5.59 acres (243,500 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jun 2019)
Tax Bill	$10,108 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COM-0009260`

Property Details

APN / Parcel Number

Primary APN	`COM-0009260`
Alternative APNs	`263889 101.04-1-18.114` `38891010400001018114`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,197 sqft Living Area
1st Floor Area	1,149 sqft
2nd Floor Area	1,048 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	243,500 sqft (5.59 acres)
Garage Type	Attached
Garage Area	493 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	654 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	COM-0009260
Street Address	178 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T LOT 108 TWP 3 RNG 1 KROLL SUBDIVISION LIBER 266 PAGE 30
Legal Block	1
Legal Lot Number	18.114
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1000
Census Tract	14903

Owner

178 Chambers St is owned and occupied by two individuals who bought it in June 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701
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
May 13, 2026	Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MTG
Jun 17, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2019 · Amount on File
Deed Sale	Jun 17, 2019 · Amount on File
Deed Document Number	2019333
Deed Book / Page	12196 / 582
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	May 13, 2026
Property Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Document Number	0003419775
Book / Page	31321 / 540
Instrument Date	Apr 23, 2026
Instrument	20263419775
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701

Mortgage

Document Number	0003419775,
Date	May 13, 2026
Book Page	31321/540
Instrument	20263419775

Lender

Name	ESL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Document Number	0000001065
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Jan 14, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 CHAMBERS ST SPENCERPORT NY 145599701, SPENCERPORT, NY 14559-9701

Mortgage

Document Number	0000001065
Date	Nov 13, 2020
Book Page	028856/000312
Instrument	1065

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 12, 2035

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 17, 2019
Property Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Document Number	0000000333
Book / Page	12196 / 582
Instrument Date	Jun 7, 2019
Instrument	201906170333
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	178 CHAMBERS ST, SPENCERPORT, NY 14559-9701

Tax Assessment & Valuation

The 2026 property tax bill for 178 Chambers St was $10,108, up 3.8% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,108.00 (+3.83%)
2025	$9,735.00	$388,000 Land $42,700 Building $345,300	$391,900 Land $43,129 Building $348,771
2023		$260,000 (-) Land $39,700 Building $220,300	$376,800 (+18.83%) Land $57,534 Building $319,266
2022		$260,000 Land $39,700 Building $220,300	$317,100 Land $48,419 Building $268,681
2021	$10,195.00

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

Flood

FEMA maps place 178 Chambers St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And 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 178 Chambers St is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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