452 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 452 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,222 sqft · built 1993
Lot Size	0.65 acres (28,314 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Mar 2021)
Tax Bill	$9,836 (2026)
Deeds & Mortgages	May 2022 Line of Credit Mar 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`COM-0009226`

Property Details

APN / Parcel Number

Primary APN	`COM-0009226`
Alternative APNs	`38891010300001003200` `263889 101.03-1-3.2`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,222 sqft Living Area
1st Floor Area	1,086 sqft
2nd Floor Area	1,136 sqft
Upper Floors Area	450 sqft
Game Room	Game Room

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	28,314 sqft (0.65 acres)
Lot Dimensions	325 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Patio Area	225 sqft
Shed	1 Shed
Gazebo	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	COM-0009226
Street Address	452 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	L106 T3 R1 DIPAOLA SUB 275-29 LOT 1
Legal Block	1
Legal Lot Number	3.200
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1002
Census Tract	14903

Owner

452 Chambers St is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788
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
May 18, 2022	Deed of Trust, Mortgage · Line of Credit ESL FCU
Mar 3, 2021	Warranty Deed, Transfer · Conventional Mortgage HUNT MORTGAGE
Jul 27, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2021 · Amount on File
Deed Sale	Mar 3, 2021 · Amount on File
Prior Sale	Jul 18, 2016 · Amount on File
Deed Document Number	2021581
Deed Book / Page	12469 / 520
Prior Transfer Date	Jan 14, 2020
Prior Transfer Doc	0000000141
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000289
Date	May 18, 2022
Book Page	29887/332
Instrument	202205180289

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

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Mar 3, 2021
Property Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Document Number	0000000581
Book / Page	12469 / 520
Instrument Date	Feb 26, 2021
Instrument	202103030581
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	FIRST AMER TTL ROCHESTER ABS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	452 CHAMBERS ST, 452, SPENCERPORT, NY 14559-9788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788

Mortgage

Document Number	0000000582
Date	Mar 3, 2021
Book Page	29066/648
Instrument	202103030582

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE NY
Recording Date	Jul 27, 2020
Property Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Document Number	0000000141
Book / Page	12367 / 372
Instrument Date	Jan 14, 2020
Instrument	202007270141
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	SERVICELINK EAST ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	452 CHAMBERS ST, SPENCERPORT, NY 14559-9788

Mortgage

Document Number	0000000142
Date	Jul 27, 2020
Instrument	202007270142

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	355 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 452 Chambers St was $9,836, down 2.3% 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	$9,836.00 (-2.27%)
2025	$10,064.00	$377,500 Land $28,300 Building $349,200	$381,300 Land $28,585 Building $352,715
2023		$279,400 (+3.48%) Land $28,300 Building $251,100	$404,900 (+22.96%) Land $41,012 Building $363,888
2022		$270,000 Land $28,300 Building $241,700	$329,300 Land $34,516 Building $294,784
2021	$10,070.00

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

Flood

FEMA maps place 452 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 452 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 96% of the US · lower than 95% 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 30 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

Cell Coverage

5G and 4G LTE (outdoors only)

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