430 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 430 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,966 sqft · built 1900
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individual Names on Record
Tax Bill	$16,571 (2026)
Deeds & Mortgages	Nov 2020 Loan Modification Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265489 063.06-1-23.101`

Property Details

APN / Parcel Number

Primary APN	`265489 063.06-1-23.101`
Alternative APNs	`54890630600001023101` `03496100000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,966 sqft Living Area
1st Floor Area	1,634 sqft
2nd Floor Area	1,332 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Architectural Style	Traditional
Exterior Material	Stucco
Lot Area	91,912 sqft (2.11 acres)
Porch	Slab
Porch Area	920 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03496100000
Street Address	430 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0073&74-14-07 GORE TRACT KAPTEIN SUB L1 270-37
Legal Block	1
Legal Lot Number	23.101
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1002
Census Tract	11203

Owner

Source: Monroe County and Webster Town records, as of September 23, 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	430 LAKE RD, WEBSTER, NY 14580-1066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2020	Loan Modification, Mortgage · Conventional with PMI CNB MTG
Nov 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CNB MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jun 8, 2012
Transfer Doc	0000001058
Record Updated	Oct 29, 2026

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	430 LAKE RD, WEBSTER, NY 14580-1066
Document Number	0000001250
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	FIRST AMERICAN - ROCHESTER TITLE, FIRST AMERICAN - ROCHESTER TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 LAKE RD WEBSTER NY 145801066, WEBSTER, NY 14580-1066

Mortgage

Document Number	0000001250
Date	Nov 16, 2020
Book Page	028860/000436
Instrument	1250

Lender

Name	CNB MTG
Type	Mortgage Company
Address	PITTSFORD, NY 14534

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

Interest

Rate Type	Fixed Rate
Rate	3%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	430 LAKE RD, WEBSTER, NY 14580-1066
Document Number	0000001249
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 12, 2021
Title Company	FIRST AMERICAN - ROCHESTER TITLE, FIRST AMERICAN - ROCHESTER TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 LAKE RD WEBSTER NY 145801066, WEBSTER, NY 14580-1066

Mortgage

Document Number	0000001249
Date	Nov 16, 2020
Book Page	028860/000419
Instrument	1249

Lender

Name	CNB MTG
Type	Mortgage Company
Address	PITTSFORD, NY 14534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$16,571.00 (+4.57%) Homeowner's exemption
2025	$15,847.00 (+3.7%)	$350,000 (-) Land $85,200 Building $264,800	$729,200 (+20.85%) Land $177,508 Building $551,692
2023		$350,000 (-) Land $85,200 Building $264,800	$603,400 (+10.33%) Land $146,885 Building $456,515
2022		$350,000 Land $85,200 Building $264,800	$546,900 Land $133,131 Building $413,769
2021	$15,281.00

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, effective May 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	17 (1978–2017)
Claims Outside the SFHA	9 of 17
Most Recent Claim	Jun 2017 · Flooding
Claims by Event	Flooding, Jun 2017 · 3 claims

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 237 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

May also be available: T-Mobile, Verizon.

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