43 Gilbert St, Le Roy, NY 14482 Property Records

Genesee County and Le Roy Town property record for 43 Gilbert St, Le Roy, NY 14482

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,520 sqft · built 1900
Lot Size	0.237 acres (10,346 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (Jun 2021)
Tax Bill	$6,094 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Aug 2023 Mortgage + 2 more
APN	`183601 2.-2-10`

Property Details

APN / Parcel Number

Primary APN	`183601 2.-2-10`
Alternative APN	`36010020000002010000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,520 sqft Living Area
1st Floor Area	904 sqft
2nd Floor Area	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1944
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,346 sqft (0.237 acres)
Lot Dimensions	150 ft deep x 69 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	168 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	43 GILBERT ST
City	LE ROY
State	NY
Zip	14482-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CON
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	GENESEE NY
Township / Civil Division	LE ROY
Census Block Group	3
Census Block	3005
Census Tract	951200

Owner

Source: Genesee County and Le Roy 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	Individual Name on Record
Mailing Address	43 GILBERT ST, LE ROY, NY 14482-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Aug 22, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Mar 8, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance MICHAEL J SCHMITT
Jun 23, 2021	Warranty Deed, Transfer · FHA Mortgage FINANCE AMERICA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Aug 13, 2009 · Amount on Record
Deed Document Number	2021DE2021-928
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	43 GILBERT ST, LE ROY, NY 14482-1307
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG20231364
Date	Oct 25, 2023
Instrument	MTG2023-1364

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Nov 1, 2051

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	43 GILBERT ST, LE ROY, NY 14482-1307
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG20231057
Date	Aug 22, 2023
Instrument	MTG2023-1057

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Sep 1, 2051

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	43 GILBERT ST, LE ROY, NY 14482-1307
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2023242
Date	Mar 8, 2023
Instrument	MTG2023-242

Lender

Name	MICHAEL J SCHMITT

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GENESEE NY
Recording Date	Jun 23, 2021
Property Address	43 GILBERT ST, LE ROY, NY 14482-1307
Document Number	DE2021928
Instrument Date	Jun 22, 2021
Instrument	DE2021-928
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 STOWELL DR, ROCHESTER, NY 14616-1805

Mortgage

Document Number	MTG20211113
Date	Jun 23, 2021
Instrument	MTG2021-1113

Lender

Name	FINANCE AMERICA LLC
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Genesee County and Le Roy Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Genesee County
County Subdivision	Le Roy Town
Municipality	Le Roy Village
Unified School District	Le Roy Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,094.00	$171,000 (+47.67%) Land $10,400 Building $160,600	$183,871 (+21.47%) Land $11,183 Building $172,688
2023		$115,800 (-) Land $10,400 Building $105,400	$151,373 (+8.5%) Land $13,595 Building $137,778
2022		$115,800 Land $10,400 Building $105,400	$139,518 Land $12,530 Building $126,988

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
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

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	None beyond ember reach

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 GENESEE public/private · serves 16,541 people · EPA ID NY1800547
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2025
Lead	5 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Empire Long Distance Fiber	1,000 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Frontier, T-Mobile.

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