Monroe County and Penfield Town property record for 3446 Atlantic Ave, Penfield, NY 14526
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,526 sqft · built 1900 |
| Lot Size | 13.1 acres (570,636 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,291 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 264200 110.04-1-9 |
| Primary APN | 264200 110.04-1-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,526 sqft Living Area |
| 1st Floor Area | 1,403 sqft |
| 2nd Floor Area | 1,123 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 570,636 sqft (13.1 acres) |
| Lot Width | 690 ft Width |
| Garage Type | Detached |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 491 sqft |
| Patio Area | 300 sqft |
| Canopy | 720 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 00263000000 |
|---|---|
| Street Address | 3446 ATLANTIC AVE |
| City | PENFIELD |
| State | NY |
| Zip | 14526-1806 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA-2 |
| Legal Description | 0018-13-04 |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | PENFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11505 |
3446 Atlantic Ave, a rural home, is owned and occupied by two individuals.
Source: Monroe County and Penfield Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3446 ATLANTIC AVE, PENFIELD, NY 14526-1806 |
| 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.
| Date | Document |
|---|---|
| Apr 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI SUMMIT FCU |
| Apr 5, 2019 | Deed of Trust, Mortgage · Line of Credit SUMMIT FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 3446 ATLANTIC AVE, PENFIELD, NY 14526-1806 |
| Document Number | 0000000154 |
| Instrument Date | Apr 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2020 |
| Title Company | STEWART TITLE, STEWART TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3446 ATLANTIC AVE PENFIELD NY 145261806, PENFIELD, NY 14526-1806 |
| Document Number | 0000000154 |
|---|---|
| Date | Apr 28, 2020 |
| Book Page | 028483/000650 |
| Instrument | 154 |
| Name | SUMMIT FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14626 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 27, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 3446 ATLANTIC AVE, PENFIELD, NY 14526-1806 |
| Document Number | 0000001153 |
| Instrument Date | Apr 5, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 3446 ATLANTIC AVE PENFIELD NY 145261806, PENFIELD, NY 14526-1806 |
| Document Number | 0000001153 |
|---|---|
| Date | Apr 10, 2019 |
| Book Page | 027982/000098 |
| Instrument | 1153 |
| Name | SUMMIT FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14626 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Apr 9, 2044 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3446 Atlantic Ave was $8,291 with a homeowner's exemption, up 14.9% from the year before.
Source: Monroe County and Penfield Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| County Subdivision | Penfield Town |
| Unified School District | Webster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,291.00 (+14.88%) Homeowner's exemption | ||
| 2025 | $7,217.00 | $289,600 Land $113,300 Building $176,300 | $386,100 Land $151,054 Building $235,046 |
| 2023 | $289,600 (-) Land $113,300 Building $176,300 | $308,100 (+6.39%) Land $120,538 Building $187,562 | |
| 2022 | $289,600 Land $113,300 Building $176,300 | $289,600 Land $113,300 Building $176,300 | |
| 2021 | $7,821.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3446 Atlantic Ave in Zone X, an area of minimal flood risk.
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 |
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 risk around 3446 Atlantic Ave 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 97% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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