40 Chippenham Dr, Penfield, NY 14526 Property Records

Monroe County and Penfield Town property record for 40 Chippenham Dr, Penfield, NY 14526

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,182 sqft · built 1989
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Last Sale	$232,400 (Mar 2015)
Tax Bill	$10,660 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COM-0014281`

Property Details

APN / Parcel Number

Primary APN	`COM-0014281`
Alternative APNs	`264200 125.03-1-2.187` `42001250300001002187`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,182 sqft Living Area
1st Floor Area	1,395 sqft
2nd Floor Area	787 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Colonial
Exterior Material	Wood
Lot Area	27,007 sqft (0.62 acres)
Lot Width	100 ft Width
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	147 sqft
Patio Area	832 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	COM-0014281
Street Address	40 CHIPPENHAM DR
City	PENFIELD
State	NY
Zip	14526-1967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-20
Legal Description	T27 T13 R4 L87 SHIRE COURT SUB SECT
Legal Block	1
Legal Lot Number	2.187
Jurisdiction	MONROE NY
Township / Civil Division	PENFIELD
Census Block Group	4
Census Block	4007
Census Tract	11505

Owner

40 Chippenham Dr is owned and occupied by two individuals who bought it in March 2015.

Source: Monroe County and Penfield Town records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit SUMMIT FEDERAL CREDIT UNION
May 19, 2022	Deed of Trust, Mortgage · Line of Credit THE SUMMIT FCU
Aug 18, 2020	Loan Modification, Mortgage · Conventional Mortgage SUMMIT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2015 · Amount on File
Deed Sale	Mar 24, 2015 · Amount on File
Deed Book / Page	11514 / 331
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Sep 30, 2026
Property Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967
Document Number	0003471011
Book / Page	31449 / 519
Instrument Date	Sep 25, 2026
Instrument	20263471011
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967

Mortgage

Document Number	0003471011,
Date	Sep 30, 2026
Book Page	31449/519
Instrument	20263471011

Lender

Name	SUMMIT FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Oct 1, 2051

Interest

Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967

Mortgage

Document Number	0000000384
Date	May 19, 2022
Book Page	29890/69
Instrument	202205190384

Lender

Name	THE SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	40 CHIPPENHAM DR, PENFIELD, NY 14526-1967
Document Number	0000000110
Instrument Date	Aug 18, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 CHIPPENHAM DR PENFIELD NY 145261967, PENFIELD, NY 14526-1967

Mortgage

Document Number	0000000110
Date	Aug 24, 2020
Book Page	028689/000651
Instrument	110

Lender

Name	SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 23, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 40 Chippenham Dr was $10,660, up 5.8% from the year before.

Source: Monroe County and Penfield Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Penfield Town
Unified School District	Penfield Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,660.00 (+5.81%)
2025	$10,075.00	$327,400 Land $69,500 Building $257,900	$436,500 Land $92,660 Building $343,840
2023		$327,400 (-) Land $69,500 Building $257,900	$348,300 (+6.38%) Land $73,937 Building $274,363
2022		$327,400 Land $69,500 Building $257,900	$327,400 Land $69,500 Building $257,900
2021	$9,903.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 40 Chippenham Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 27, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 40 Chippenham Dr 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 94% of the US · lower than 93% of New York
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, Verizon.

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