Monroe County and Webster Town property record for 398 Spinnaker Ln, Webster, NY 14580
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 1.5 ba · 1,527 sqft · built 1992 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $305,000 (Jan 2026) |
| Tax Bill | $8,020 (2026) |
| Deeds & Mortgages | Jan 2026 Sale & Mortgage Dec 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | WEB-0001879 |
| Primary APN | WEB-0001879 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,527 sqft Living Area |
| 1st Floor Area | 824 sqft |
| 2nd Floor Area | 423 sqft |
| Upper Floors Area | 267 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Garage Area | 361 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 63 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | WEB-0001879 |
|---|---|
| Street Address | 398 SPINNAKER LN |
| City | WEBSTER |
| State | NY |
| Zip | 14580-1771 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Description | L36&47 T14R7 GORE TRACT HILLSBORO COVE 2 LR1304 272-66 |
| Legal Subdivision | HILLSBORO COVE SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 62.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | WEBSTER |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 11201 |
398 Spinnaker Ln, a townhouse, is owned and occupied by two individuals who bought it in January 2026.
Source: Monroe County and Webster Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage ESL FCU |
| Dec 14, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Nov 12, 2020 | Warranty Deed, Transfer INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on File |
| Deed Sale | Jan 15, 2026 · Amount on File |
| Prior Sale | Dec 14, 2022 · Amount on File |
| Deed Document Number | 20263374206 |
| Deed Book / Page | 13162 / 423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE NY |
| Recording Date | Jan 15, 2026 |
| Property Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Document Number | 202603374206 |
| Book / Page | 13162 / 423 |
| Map Reference | LB 272 PG 66 |
| Instrument Date | Jan 7, 2026 |
| Instrument | 202603374206 |
| Transaction Type | Transfer |
| Record Updated | Feb 11, 2026 |
| Title Company | WEBTITLE AGENCY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,220.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Name | Verified Name |
|---|---|
| Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Document Number | 202603374207 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 202603374207 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Type Change Date | Feb 1, 2036 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.8% |
| Index | SOFR Average 30-Day |
| Margin | 3 |
| Max Rate | 10.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE NY |
| Recording Date | Dec 14, 2022 |
| Property Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Document Number | 0000000938 |
| Book / Page | 12758 / 524 |
| Map Reference | LB 272 PG 66 |
| Instrument Date | Dec 14, 2022 |
| Instrument | 202212140938 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $1,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Name | Verified Name |
|---|---|
| Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE NY |
| Recording Date | Nov 12, 2020 |
| Property Address | 398 SPINNAKER LN, WEBSTER, NY 14580-1771 |
| Document Number | 0000001328 |
| Book / Page | 012421 / 000259 |
| Instrument Date | Nov 9, 2020 |
| Instrument | 1328 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2021 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGCY |
| Amount | Amount on Record |
|---|---|
| Tax | $948.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 E GOLDENEYE CT NORTH TOPSAIL BEACH NC 284608327, NORTH TOPSAIL BEACH, NC 28460-8327 |
The 2026 property tax bill for 398 Spinnaker Ln was $8,020, up 1.4% from the year before.
Source: Monroe County and Webster Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| County Subdivision | Webster Town |
| Unified School District | Webster Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,020.00 (+1.4%) | ||
| 2025 | $7,909.00 | $163,700 (-) Land $16,500 Building $147,200 | $341,000 (+8.32%) Land $34,371 Building $306,629 |
| 2024 | $163,700 (-) Land $16,500 Building $147,200 | $314,800 (+11.55%) Land $31,730 Building $283,070 | |
| 2023 | $163,700 (-) Land $16,500 Building $147,200 | $282,200 (+10.32%) Land $28,444 Building $253,756 | |
| 2022 | $163,700 Land $16,500 Building $147,200 | $255,800 Land $25,783 Building $230,017 | |
| 2021 | $7,487.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 Spinnaker Ln 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 398 Spinnaker Ln 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 98% of the US · lower than 97.9% 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 204 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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