432 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 432 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Multi-Family Dwellings
Details	1 bd · 1 ba · 1,196 sqft · built 1900
Lot Size	2.27 acres (98,881 sqft)
Owner	2 Individual Names on Record
Last Sale	$655,000 (Oct 2018)
Tax Bill	$21,957 (2021)
Deeds & Mortgages	Feb 2022 Line of Credit Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265489 063.06-1-23.2`

Property Details

APN / Parcel Number

Primary APN	`265489 063.06-1-23.2`
Alternative APNs	`54890630600001023200` `03496100000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Stories	1 Story
Building Area	1,196 sqft Total Area
1st Floor Area	1,196 sqft
Upper Floors Area	380 sqft
Game Room	Game Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	98,881 sqft (2.27 acres)

Exterior Amenities

Porch	Porch
Porch Area	322 sqft
Canopy	340 sqft
Poultry House	Poultry House
Total Buildings	2 Buildings

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	432 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1066
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	0073&74-14-07-GORE TRACT KAPTEIN SUB L2 270-37
Legal Subdivision	HOJACK RAILROAD PARCELS TO BE CONVEYED
Legal Block	1
Legal Lot Number	23.200
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 March 30, 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	432 LAKE RD, WEBSTER, NY 14580-1066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Oct 15, 2018	Warranty Deed, Transfer BANK OF AMERICA
Apr 10, 2018	Deed of Trust, Mortgage · Line of Credit CANANDAIGUA NAT'L BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Deed Document Number	2018204
Deed Book / Page	12094 / 688
Prior Transfer Date	Aug 4, 2016
Prior Transfer Doc	0000000359
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	432 LAKE RD, WEBSTER, NY 14580-1066
Transaction Type	Mortgage
Record Updated	Mar 9, 2022
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 LAKE RD, WEBSTER, NY 14580-1066

Mortgage

Document Number	0000000830
Date	Feb 4, 2022
Book Page	29735/365
Instrument	202202040830

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Dec 7, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 15, 2018
Property Address	432 LAKE RD, WEBSTER, NY 14580-1066
Document Number	0000000204
Book / Page	012094 / 000688
Instrument Date	Oct 10, 2018
Instrument	204
Transaction Type	Transfer
Record Updated	Nov 1, 2018

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,620.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	432 LAKE RD WEBSTER NY 145801066, WEBSTER, NY 14580-1066

Mortgage

Document Number	205
Date	Oct 15, 2018
Book Page	027797/000001
Instrument	205

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	432 LAKE RD, WEBSTER, NY 14580-1066
Document Number	0000000560
Instrument Date	Apr 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Trust
Address	561 LAKE RD WEBSTER NY 145801550, WEBSTER, NY 14580-1550

Mortgage

Document Number	0000000560
Date	Apr 12, 2018
Book Page	027558/000149
Instrument	560

Lender

Name	CANANDAIGUA NAT'L BK&TR
Type	Bank
Address	CANANDAIGUA, NY 14424

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 11, 2038

Interest

Rate Type	Adjustable Rate

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
2025		$486,100 (-) Land $160,000 Building $326,100	$1,012,700 (+20.83%) Land $333,331 Building $679,369
2023		$486,100 (-) Land $160,000 Building $326,100	$838,100 (+10.35%) Land $275,861 Building $562,239
2022		$486,100 Land $160,000 Building $326,100	$759,500 Land $249,990 Building $509,510
2021	$21,957.00

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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