23 Main St, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 23 Main St, Phelps, NY 14532

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,560 sqft · built 1979
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,446 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Nov 2022 Refinance
APN	`4223-010-06`

Property Details

APN / Parcel Number

Primary APN	`4223-010-06`
Alternative APNs	`324089 63.00-3-26.200` `40890630000003026200`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,560 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	43,560 sqft (1 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	528 sqft
Shed	1 Shed
Canopy	612 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4223-010-06
Street Address	23 MAIN ST
City	PHELPS
State	NY
Zip	14532-1040
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Description	778/676 1.0 ACRE
Legal Block	3
Legal Lot Number	26.200
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	1
Census Block	1047
Census Tract	50401

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	23 STATE ROUTE 96, GENEVA, NY 14456-9506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Deed of Trust, Mortgage LOANDEPOT.COM LLC
Nov 21, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Recording Date	Apr 10, 2026
Property Address	23 MAIN ST, PHELPS, NY 14532-1040
Document Number	003363/395
Book / Page	3363 / 395
Instrument Date	Apr 4, 2026
Instrument	202612315401
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 MAIN ST, PHELPS, NY 14532-1040

Mortgage

Document Number	0012315401,
Date	Apr 10, 2026
Book Page	3363/395
Instrument	202612315401

Lender

Name	LOANDEPOT.COM LLC

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	23 MAIN ST, PHELPS, NY 14532-1040
Transaction Type	Mortgage
Record Updated	May 30, 2023
Title Company	CROSSROADS TITLE, CROSSROADS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003193/565
Date	Nov 21, 2022
Book Page	3193/565
Instrument	202211210096

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	229 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

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
Unified School District	Phelps-Clifton Springs Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,446.00 (+9.09%) Homeowner's exemption
2025	$3,159.00	$85,000 (-) Land $19,000 Building $66,000	$118,100 (+13.94%) Land $26,399 Building $91,701
2023		$85,000 Land $19,000 Building $66,000	$103,650 Land $23,169 Building $80,481

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 26 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CBN Fixed Wireless · not low latency	100 / 100

May also be available: T-Mobile, Verizon.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures