2 Cross St, Naples, NY 14512 Property Records

Ontario County and Naples Town property record for 2 Cross St, Naples, NY 14512

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,572 sqft · built 1907
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$138,250 (Aug 2020)
Tax Bill	$3,948 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Oct 2019 Transfer + 2 more
APN	`4356-000-04`

Property Details

APN / Parcel Number

Primary APN	`4356-000-04`
Alternative APNs	`323801 201.17-2-7.100` `38012010170002007100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,572 sqft Living Area
1st Floor Area	870 sqft
2nd Floor Area	702 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	20,473 sqft (0.47 acres)

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	314 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4356-000-04
Street Address	2 CROSS ST
City	NAPLES
State	NY
Zip	14512-9551
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	.475ACRE
Legal Block	2
Legal Lot Number	7.100
Jurisdiction	ONTARIO NY
Township / Civil Division	NAPLES
Census Block Group	2
Census Block	2013
Census Tract	52200

Owner

Source: Ontario County and Naples Town records, as of April 16, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	2 CROSS ST, NAPLES, NY 14512-9551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage CNB MORTGAGE CO
Oct 22, 2019	Quit Claim Deed, Transfer Quitclaim
Jul 21, 2017	Deed of Trust, Mortgage FIRST PRIORITY MORTGAGE
Jul 21, 2017	Deed, Transfer NOT AVAILABLE, GREGORY DOLAN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2020 · Amount on Record
Deed Sale	Aug 18, 2020 · Amount on Record
Prior Sale	Jul 21, 2017 · Amount on Record
Deed Book / Page	1455 / 641
Prior Transfer Date	Oct 21, 2019
Prior Transfer Doc	001438/409
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Aug 18, 2020
Property Address	2 CROSS ST, NAPLES, NY 14512-9551
Document Number	001455/641
Book / Page	1455 / 641
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
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

Mortgage

Document Number	0002982145
Date	Aug 18, 2020
Instrument	2982/145

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONTARIO NY
Recording Date	Oct 22, 2019
Property Address	2 CROSS ST, NAPLES, NY 14512-9551
Document Number	001438/409
Book / Page	1438 / 409
Instrument Date	Oct 21, 2019
Transaction Type	Transfer
Record Updated	Nov 16, 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

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	2 CROSS ST, NAPLES, NY 14512-9551
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002773/0000000192
Date	Jul 21, 2017
Book Page	0000002773/0000000192

Lender

Name	FIRST PRIORITY MORTGAGE

Agreement

Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2047

July 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	ONTARIO NY
Recording Date	Jul 21, 2017
Property Address	2 CROSS ST, NAPLES, NY 14512-9551
Document Number	0000001388/0000000550
Book / Page	0000001388 / 0000000550
Instrument Date	Jul 21, 2017
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	NOT AVAILABLE, GREGORY DOLAN

Transaction

Amount	Amount Recorded
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
Address	2 CROSS ST, NAPLES, NY 14512-9551

Tax Assessment & Valuation

Source: Ontario County and Naples Town assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Naples Town
Municipality	Naples Village
Unified School District	Naples Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,948.00	$179,900 (+30.17%) Land $18,700 Building $161,200	$185,500 (+23.5%) Land $19,282 Building $166,218
2023		$138,200 Land $10,400 Building $127,800	$150,200 Land $11,303 Building $138,897

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Aug 2021 · rainfall accumulation

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NAPLES CONSOLIDATED serves 1,250 people · EPA ID NY3401161
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2024
Lead	1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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