Yates County and Italy Town property record for 295 Clute Rd, Naples, NY 14512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,096 sqft · built 1960 |
| Lot Size | 8.78 acres (382,457 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $282,300 (Aug 2018) |
| Tax Bill | $9,632 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0153-000 |
| Primary APN | 0153-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,096 sqft Living Area |
| 1st Floor Area | 2,096 sqft |
| Basement Area | 2,000 sqft |
| Finished Basement | 2,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 382,457 sqft (8.78 acres) |
| Garage Type | Detached |
| Garage Area | 1,240 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 1,296 sqft |
| Shed | 1 Shed |
| Canopy | 400 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 0153-000 |
|---|---|
| Street Address | 295 CLUTE RD |
| City | NAPLES |
| State | NY |
| Zip | 14512-9401 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 1 |
| Legal Lot Number | 11.000 |
| Jurisdiction | YATES NY |
| Township / Civil Division | ITALY |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 150302 |
Source: Yates County and Italy Town records, as of April 22, 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 | 295 CLUTE RD, NAPLES, NY 14512-9401 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2019 | Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Aug 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2018 · Amount on Record |
| Deed Sale | Aug 15, 2018 · Amount on Record |
| Prior Sale | Feb 12, 2013 · Amount on Record |
| Deed Document Number | 20182120 |
| Deed Book / Page | 741 / 190 |
| Prior Transfer Date | Jan 16, 2013 |
| Prior Transfer Doc | 0DE653/271 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | YATES NY |
| Property Address | 295 CLUTE RD, NAPLES, NY 14512-9401 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Name | Verified Name |
|---|
| Document Number | MT1130/190 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | MT 1130/190 |
| Instrument | 2019-00001662 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | YATES NY |
| Recording Date | Aug 15, 2018 |
| Property Address | 295 CLUTE RD, NAPLES, NY 14512-9401 |
| Document Number | 0DE741/190 |
| Book / Page | DE 741 / 190 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 2018-00002120 |
| Transaction Type | Transfer |
| Record Updated | May 10, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,130.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 295 CLUTE RD, 295, NAPLES, NY 14512-9401 |
| Name | Verified Name |
|---|---|
| Address | 5 COHOCTON ST, NAPLES, NY 14512-9534 |
| Document Number | 201800002121 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 2018-00002121 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: Yates County and Italy Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Yates County |
| County Subdivision | Italy Town |
| Unified School District | Naples Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,632.00 (+12.54%) | $399,900 (+23.08%) Land $41,900 Building $358,000 | $420,947 (+16.61%) Land $44,105 Building $376,842 |
| 2023 | $324,900 Land $36,100 Building $288,800 | $361,000 Land $40,111 Building $320,889 | |
| 2020 | $8,559.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 17, 2025 · 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 | 5 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.
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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Empire Long Distance Fiber | 1,000 / 100 |
| Starlink Satellite | 280 / 30 |
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