Ontario County and Geneva City property record for 45 Spring St, Geneva, NY 14456
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,638 sqft · built 1900 |
| Lot Size | 0.476 acres (20,754 sqft) |
| Owner | Individual Name on File |
| Last Sale | $170,000 (Jun 2020) |
| Tax Bill | $8,354 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Feb 2024 Refinance + 6 more |
| APN | 320500 104.14-6-47 |
| Primary APN | 320500 104.14-6-47 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,638 sqft Living Area |
| 1st Floor Area | 819 sqft |
| 2nd Floor Area | 819 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,754 sqft (0.476 acres) |
| Lot Dimensions | 207 ft deep x 100 ft wide |
| Porch | Slab |
| Porch Area | 212 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 05003560 |
|---|---|
| Street Address | 45 SPRING ST |
| City | GENEVA |
| State | NY |
| Zip | 14456-2724 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 6 |
| Legal Lot Number | 47.000 |
| Jurisdiction | ONTARIO NY |
| Township / Civil Division | GENEVA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 51900 |
45 Spring St is owned and occupied by an individual who bought it in June 2020.
Source: Ontario County and Geneva City records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2026 | Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Feb 28, 2024 | Deed of Trust, Mortgage · Stand-Alone Refinance SECRETARY HOUSING URBAN DEVELOPMENT |
| Jun 23, 2020 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) RESIDENTIAL MORTGAGE SERVICES |
| Jun 23, 2020 | Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL MORTGAGE SERVICES |
| Oct 8, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Aug 28, 2019 | Warranty Deed, Transfer |
| May 28, 2019 | Warranty Deed, Transfer |
| Oct 19, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 23, 2020 · Amount on File |
| Deed Sale | Jun 23, 2020 · Amount on File |
| Prior Sale | Aug 28, 2019 · Amount on File |
| Deed Book / Page | 1452 / 391 |
| Prior Transfer Date | Oct 3, 2019 |
| Prior Transfer Doc | 001437/451 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | May 1, 2026 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 003366/885 |
| Book / Page | 3366 / 885 |
| Instrument Date | May 1, 2026 |
| Instrument | 202612316637 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 0012316637, |
|---|---|
| Date | May 1, 2026 |
| Book Page | 3366/885 |
| Instrument | 202612316637 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 481 Months |
| Due | Jun 1, 2066 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONTARIO NY |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2024 |
| Name | Verified Name |
|---|
| Document Number | 003253/269 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 3253/269 |
| Instrument | 202402280112 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONTARIO NY |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Title Company | WEB TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 2967/264 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 2967/264 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | Jun 23, 2020 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 001452/391 |
| Book / Page | 1452 / 391 |
| Instrument Date | Jun 15, 2020 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0002967252 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 2967/252 |
| Name | RESIDENTIAL MORTGAGE SERVICES |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | Oct 8, 2019 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 001437/451 |
| Book / Page | 1437 / 451 |
| Instrument Date | Oct 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 ETON CT, PITTSFORD, NY 14534-4644 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | Aug 28, 2019 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 001434/671 |
| Book / Page | 1434 / 671 |
| Instrument Date | Aug 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5 ETON CT, PITTSFORD, NY 14534-4644 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | May 28, 2019 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 001428/887 |
| Book / Page | 1428 / 887 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONTARIO NY |
| Recording Date | Oct 19, 2018 |
| Property Address | 45 SPRING ST, GENEVA, NY 14456-2724 |
| Document Number | 001416/378 |
| Book / Page | 1416 / 378 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 45 Spring St was $8,354, up 19.6% from the year before.
Source: Ontario County and Geneva City assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Ontario County |
| Municipality | Geneva City |
| Unified School District | Geneva City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $8,354.00 (+19.6%) | ||
| 2025 | $6,985.00 | $204,100 Land $16,100 Building $188,000 | $221,848 Land $17,500 Building $204,348 |
| 2023 | $101,500 Land $16,100 Building $85,400 | $130,128 Land $20,641 Building $109,487 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 45 Spring St.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 45 Spring 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 99.1% of the US · lower than 99.2% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GENEVA CITY serves 13,334 people · EPA ID NY3401156 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2024 |
| Lead | 3 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 488 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Empire Long Distance Fiber | 1,000 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
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