1820 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 1820 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 3.5 ba · 5,169 sqft · built 1920
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Company Names on Record
Last Sale	$955,000 (Nov 2023)
Tax Bill	$32,279 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Apr 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`265489 037.03-1-34`

Property Details

APN / Parcel Number

Primary APN	`265489 037.03-1-34`
Alternative APNs	`54890370300001034000` `03391000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	5,169 sqft Total Area
1st Floor Area	3,701 sqft
2nd Floor Area	1,468 sqft
Upper Floors Area	371 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2012
Architectural Style	Contemporary
Exterior Material	Stucco
Lot Area	135,036 sqft (3.1 acres)
Lot Dimensions	200 ft deep x 420 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	862 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	302 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	03391000000
Street Address	1820 LAKE RD
City	WEBSTER
State	NY
Zip	14580-9750
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	0013-14-04 OPEN SPACE/2018
Legal Block	1
Legal Lot Number	34.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2004
Census Tract	11303

Owner

Source: Monroe County and Webster Town records, as of March 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1820 LAKE RD, WEBSTER, NY 14580-9750
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Apr 25, 2024	Intrafamily Transfer, Transfer
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit ESL FCU
Oct 7, 2020	Warranty Deed, Transfer · Conventional Mortgage GENESEE REGIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Oct 7, 2020 · Amount on Record
Deed Document Number	2023866
Deed Book / Page	12891 / 589
Last Transfer Date	Apr 9, 2024
Transfer Doc	0000000828
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1820 LAKE RD, WEBSTER, NY 14580-9750
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	CHICAGO TITLE ROCHESTER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	531 FORE DR, BRADENTON, FL 34208-8447

Mortgage

Document Number	202603381511
Date	Feb 5, 2026
Book Page	31248/736
Instrument	202603381511

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.1%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.1%

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE NY
Recording Date	Apr 25, 2024
Property Address	1820 LAKE RD, WEBSTER, NY 14580-9750
Document Number	0000000828
Book / Page	12948 / 482
Instrument Date	Apr 9, 2024
Instrument	202404250828
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 PRINCE ST, ROCHESTER, NY 14607-1406

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1820 LAKE AVE, ROCHESTER, NY 14615-3035

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	1820 LAKE RD, WEBSTER, NY 14580-9750
Transaction Type	Mortgage
Record Updated	Jan 15, 2024
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000597
Date	Dec 28, 2023
Book Page	30544/230
Instrument	202312280597

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 7, 2020
Property Address	1820 LAKE RD, WEBSTER, NY 14580-9750
Document Number	0000001222
Book / Page	12404 / 16
Instrument Date	Sep 30, 2020
Instrument	202010071222
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,152.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	43 EAST BLVD, 43, ROCHESTER, NY 14610-1520

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 LAKE RD, WEBSTER, NY 14580-9750

Mortgage

Document Number	0000001223
Date	Oct 7, 2020
Instrument	202010071223

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

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
2025	$32,279.00 (-1.66%)	$925,001 (+32.14%) Land $175,100 Building $749,901	$1,927,100 (+59.67%) Land $364,794 Building $1,562,306
2023		$700,000 (-) Land $175,100 Building $524,900	$1,206,900 (+10.34%) Land $301,897 Building $905,003
2022		$700,000 Land $175,100 Building $524,900	$1,093,800 Land $273,606 Building $820,194
2021	$32,823.00

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, effective May 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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