440 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 440 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,491 sqft · built 1953
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (May 2025)
Tax Bill	$6,847 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2016 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265489 063.06-1-33`

Property Details

APN / Parcel Number

Primary APN	`265489 063.06-1-33`
Alternative APNs	`54890630600001033000` `03496032000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,491 sqft Living Area
1st Floor Area	1,491 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	193 ft deep x 169 ft wide
Garage Type	Basement

Exterior Amenities

Porch	Porch
Porch Area	110 sqft
Shed	1 Shed
Shed Area	465 sqft
Canopy	90 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03496032000
Street Address	440 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0074-14-07
Legal Block	1
Legal Lot Number	33.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1004
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	Individual Name on Record
Mailing Address	242 BROOKS AVE, ROCHESTER, NY 14619-2449
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Dec 20, 2016	Loan Modification, Consolidation and Extension, Mortgage · Conventional with PMI WELLS FARGO BK
Jan 5, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2025 · Amount on Record
Deed Sale	May 27, 2025 · Amount on Record
Prior Sale	May 15, 2013 · Amount on Record
Deed Document Number	20253294120
Deed Book / Page	13095 / 731
Prior Transfer Date	Dec 9, 2016
Prior Transfer Doc	0000000692
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	440 LAKE RD, WEBSTER, NY 14580-1051
Transaction Type	Mortgage
Record Updated	Dec 7, 2021
Title Company	PRIORITY TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 LAKE RD, WEBSTER, NY 14580-1051

Mortgage

Document Number	0000000101
Date	Oct 19, 2021
Book Page	29524/101
Instrument	202110190909

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Nov 1, 2046

December 2016: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	MONROE NY
Property Address	440 LAKE RD, WEBSTER, NY 14580-1051
Document Number	0000000694
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 LAKE RD WEBSTER NY 145801051, WEBSTER, NY 14580-1051

Mortgage

Document Number	0000000694
Date	Jan 5, 2017
Book Page	026983/000326
Instrument	694

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467-8000

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.87%

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE NY
Recording Date	Jan 5, 2017
Property Address	440 LAKE RD, WEBSTER, NY 14580-1051
Document Number	0000000692
Book / Page	11806 / 176
Instrument Date	Dec 9, 2016
Instrument	201701050692
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	440 LAKE RD, 440, WEBSTER, NY 14580-1051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	440 LAKE RD, WEBSTER, NY 14580-1051

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	$6,847.00 (-38.93%)
2025	$11,211.00 (+73.71%)	$145,000 (-) Land $29,000 Building $116,000	$302,100 (+20.84%) Land $60,420 Building $241,680
2023		$145,000 (-) Land $29,000 Building $116,000	$250,000 (+10.33%) Land $50,000 Building $200,000
2022		$145,000 Land $29,000 Building $116,000	$226,600 Land $45,320 Building $181,280
2021	$6,454.00

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
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.

Cell Coverage

5G (outdoors only) and 4G LTE

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