196 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 196 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,006 sqft · built 1920
Lot Size	1.16 acres (50,530 sqft)
Owner	2 Individual Names on File
Last Sale	$20,000 (Oct 1995)
Tax Bill	$7,834 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jul 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`263889 101.04-1-17`

Property Details

APN / Parcel Number

Primary APN	`263889 101.04-1-17`
Alternative APNs	`38891010400001017000` `02186100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,006 sqft Living Area
1st Floor Area	1,096 sqft
2nd Floor Area	910 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	50,530 sqft (1.16 acres)
Lot Dimensions	220 ft deep x 230 ft wide
Garage Type	Detached
Porch	Slab
Porch Area	216 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02186100000
Street Address	196 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	L108 T3 R1
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1000
Census Tract	14903

Owner

196 Chambers St is owned and occupied by two individuals who bought it in October 1995.

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

Owner of Record	2 Individual Names on File
Mailing Address	196 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
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jul 5, 2017	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jul 11, 2017	Loan Modification, Consolidation and Extension, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 1995 · Amount on File
Deed Sale	Oct 31, 1995 · Amount on File
Deed Book / Page	8669 / 606
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	196 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001379
Date	Jul 24, 2023
Book Page	30371/14
Instrument	202307241379

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	61 Months
Due	Aug 5, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	196 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Document Number	0000000523
Instrument Date	Jul 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CHAMBERS ST SPENCERPORT NY 145599701, SPENCERPORT, NY 14559-9701

Mortgage

Document Number	0000000523
Date	Jul 11, 2017
Book Page	027222/000080
Instrument	523

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	MONROE NY
Recording Date	Jul 11, 2017
Property Address	196 CHAMBERS ST, SPENCERPORT, NY 14559-9701
Book / Page	027222 / 000089
Instrument Date	Jul 5, 2017
Instrument	524
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	196 CHAMBERS ST SPENCERPORT NY 145599701, SPENCERPORT, NY 14559-9701

Mortgage

Document Number	0000000524
Date	Jul 11, 2017
Book Page	027222/000089
Instrument	524

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 196 Chambers St was $7,834 with a homeowner's exemption, up 5.2% 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	$7,834.00 (+5.22%) Homeowner's exemption
2025	$7,445.00	$300,400 Land $32,800 Building $267,600	$303,400 Land $33,128 Building $270,272
2023		$170,000 (-) Land $32,700 Building $137,300	$246,400 (+18.86%) Land $47,396 Building $199,004
2022		$170,000 Land $32,700 Building $137,300	$207,300 Land $39,875 Building $167,425
2021	$5,961.00

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

Flood

FEMA maps place 196 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 196 Chambers St 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	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	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 44 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

Cell Coverage

5G (outdoors only) and 4G LTE

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