44 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 44 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,727 sqft · built 1770
Lot Size	3.9 acres (169,884 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,700 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`263889 101.04-2-16`

Property Details

APN / Parcel Number

Primary APN	`263889 101.04-2-16`
Alternative APNs	`38891010400002016000` `02182000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,727 sqft Living Area
1st Floor Area	1,593 sqft
Upper Floors Area	1,134 sqft
Game Room	Game Room

Exterior

Year Built	Built 1770
Effective Year Built	Effective 1770
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	169,884 sqft (3.9 acres)
Lot Dimensions	436 ft deep x 421 ft wide
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	904 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	02182000000
Street Address	44 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	L109 T3 R1
Legal Block	2
Legal Lot Number	16.000
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1000
Census Tract	14903

Owner

44 Chambers St is owned and occupied by two individuals.

Source: Monroe County and Ogden Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 CHAMBERS ST, SPENCERPORT, NY 14559-9795
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
Apr 3, 2024	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jun 13, 2018	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	44 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Transaction Type	Mortgage
Record Updated	Apr 29, 2024
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001106
Date	Apr 3, 2024
Book Page	30622/398
Instrument	202404031106

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	44 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Document Number	0000000106
Instrument Date	Jun 13, 2018
Transaction Type	Mortgage
Record Updated	Jul 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 CHAMBERS ST SPENCERPORT NY 145599795, SPENCERPORT, NY 14559-9795

Mortgage

Document Number	0000000106
Date	Jun 25, 2018
Book Page	027649/000019
Instrument	106

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604-2424

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jun 24, 2033

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 44 Chambers St was $7,700 with exemptions applied, up 21.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,700.00 (+21.37%) Homeowner's exemption Senior Citizen's exemption
2025	$6,344.00	$295,200 Land $42,400 Building $252,800	$298,200 Land $42,831 Building $255,369
2023		$187,100 (-) Land $41,500 Building $145,600	$271,200 (+18.84%) Land $60,154 Building $211,046
2022		$187,100 Land $41,500 Building $145,600	$228,200 Land $50,616 Building $177,584
2021	$6,630.00

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

Flood

FEMA maps place 44 Chambers St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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
Nearby Flood Claims	3 (1978–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And Flooding

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

Wildfire risk around 44 Chambers St 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 97% of the US · lower than 96% 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.

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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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