446 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 446 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,832 sqft · built 1951
Lot Size	0.8 acres (34,848 sqft)
Owner	2 Individual Names on File
Last Sale	$102,000 (May 2008)
Tax Bill	$6,923 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`265489 063.06-1-29`

Property Details

APN / Parcel Number

Primary APN	`265489 063.06-1-29`
Alternative APNs	`54890630600001029000` `03496025000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,832 sqft Living Area
1st Floor Area	1,832 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	34,848 sqft (0.8 acres)
Lot Dimensions	279 ft deep x 273 ft wide
Garage Type	Attached
Garage Area	783 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	195 sqft
Patio Area	210 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03496025000
Street Address	446 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0074-14-07
Legal Subdivision	GORE EAST OF IRONDEQUOIT BAY
Legal Block	1
Legal Lot Number	29.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1004
Census Tract	11203

Owner

Source: Monroe County and Webster Town assessment roll, 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 File
Mailing Address	446 LAKE RD, WEBSTER, NY 14580-1051
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FCU
Oct 8, 2019	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 30, 2008 · Amount on Record
Deed Sale	May 30, 2008 · Amount on Record
Deed Book / Page	10622 / 326
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	446 LAKE RD, WEBSTER, NY 14580-1051
Document Number	0000000541
Instrument Date	Aug 4, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	446 LAKE RD WEBSTER NY 145801051, WEBSTER, NY 14580-1051

Mortgage

Document Number	0000000541
Date	Aug 10, 2020
Book Page	028666/000112
Instrument	541

Lender

Name	SUMMIT FCU
Type	Credit Union
Address	WEBSTER, NY 14580

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 9, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	446 LAKE RD, WEBSTER, NY 14580-1051
Document Number	0000000550
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 LAKE RD WEBSTER NY 145801051, WEBSTER, NY 14580-1051

Mortgage

Document Number	0000000550
Date	Oct 18, 2019
Book Page	028240/000073
Instrument	550

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 17, 2034

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	$6,923.00 (+11.48%)	$155,200 (+1.5%) Land $30,100 Building $125,100	$323,300 (+22.65%) Land $62,702 Building $260,598
2023		$152,900 (-) Land $30,100 Building $122,800	$263,600 (+10.34%) Land $51,892 Building $211,708
2022		$152,900 Land $30,100 Building $122,800	$238,900 Land $47,030 Building $191,870
2021	$6,210.00

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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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