178 Main St, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 178 Main St, Phelps, NY 14532

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,952 sqft · built 1875
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$126,400 (Oct 2018)
Tax Bill	$4,816 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Apr 2019 Transfer + 1 more
APN	`5357-000-06`

Property Details

APN / Parcel Number

Primary APN	`5357-000-06`
Alternative APNs	`324001 47.08-2-12.000` `40010470080002012000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,952 sqft Living Area
1st Floor Area	1,312 sqft
2nd Floor Area	640 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1875
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	99.4 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5357-000-06
Street Address	178 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	0.12 ACRE
Legal Block	2
Legal Lot Number	12.000
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	1
Census Block	1022
Census Tract	50402

Owner

178 Main St is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	178 MAIN ST, PHELPS, NY 14532-1055
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
Oct 5, 2018	Deed of Trust, Mortgage · FHA Mortgage LAND HOME FINANCIAL SERVICES INC
Apr 25, 2019	Correction Deed
Oct 5, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2018 · Amount on File
Deed Sale	Oct 5, 2018 · Amount on File
Prior Sale	Sep 30, 2002 · Amount on File
Deed Book / Page	1415 / 674
Transfer Doc	001427/109
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	178 MAIN ST, PHELPS, NY 14532-1055
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002850/0000000575
Date	Oct 5, 2018
Book Page	0000002850/0000000575

Lender

Name	LAND HOME FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2048

April 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	ONTARIO NY
Recording Date	Apr 25, 2019
Property Address	178 MAIN ST, PHELPS, NY 14532-1055
Document Number	001427/109
Book / Page	1427 / 109
Record Updated	Apr 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Oct 5, 2018
Property Address	178 MAIN ST, PHELPS, NY 14532-1055
Document Number	001415/674
Book / Page	1415 / 674
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
Relationship	Joint Tenants

Tax Assessment & Valuation

The 2026 property tax bill for 178 Main St was $4,816, up 20.2% from the year before.

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	$4,816.00 (+20.25%)
2025	$4,005.00	$128,000 Land $5,900 Building $122,100	$177,800 Land $8,195 Building $169,605
2023		$128,000 Land $5,900 Building $122,100	$156,100 Land $7,195 Building $148,905

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 178 Main St.

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

The area around 178 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 120 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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