453 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 453 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,202 sqft · built 1939
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$169,900 (Dec 2019)
Tax Bill	$4,836 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Feb 2026 Refinance + 4 more
Flood Zone	Zone X (minimal risk)
APN	`265489 048.19-2-31.1`

Property Details

APN / Parcel Number

Primary APN	`265489 048.19-2-31.1`
Alternative APNs	`54890481900002031100` `048192311`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,202 sqft Living Area
1st Floor Area	1,202 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	207 ft deep x 275 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	048192311
Street Address	453 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0074-14-07 BAGNALL RESUB LR-10 280-87 043017
Legal Subdivision	BAGNALL AND GLASSER SUBDIVISION
Legal Block	2
Legal Lot Number	31.100
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1003
Census Tract	11203

Owner

453 Lake Rd is owned and occupied by an individual who bought it in December 2019.

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

Owner of Record	Individual Name on File
Mailing Address	453 LAKE RD, WEBSTER, NY 14580-1053
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
Feb 5, 2026	Deed of Trust, Mortgage · Line of Credit ESL FCU
Feb 5, 2026	Deed of Trust, Mortgage · Stand-Alone Refinance ESL FCU
May 18, 2021	Deed of Trust, Mortgage · Line of Credit ESL FCU
May 18, 2021	Deed of Trust, Mortgage · Line of Credit ESL FCU
May 20, 2020	Deed of Trust, Mortgage · Line of Credit ESL FCU
Dec 12, 2019	Warranty Deed, Transfer STEWART TITLE, STEWART TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2019 · Amount on File
Deed Sale	Dec 12, 2019 · Amount on File
Prior Sale	Dec 17, 2013 · Amount on File
Deed Document Number	2019969
Deed Book / Page	12283 / 367
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 LAKE RD, WEBSTER, NY 14580-1053

Mortgage

Document Number	202603381200
Date	Feb 5, 2026
Book Page	31248/140
Instrument	202603381200

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

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Transaction Type	Mortgage
Record Updated	Mar 10, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 LAKE RD, WEBSTER, NY 14580-1053

Mortgage

Document Number	202603381201
Date	Feb 5, 2026
Book Page	31248/149
Instrument	202603381201

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000296
Date	May 18, 2021
Book Page	29214/296
Instrument	202105181517

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

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000288
Date	May 18, 2021
Book Page	29214/288
Instrument	202105181516

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Document Number	0000000392
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	453 LAKE RD WEBSTER NY 145801053, WEBSTER, NY 14580-1053

Mortgage

Document Number	0000000392
Date	May 28, 2020
Book Page	028533/000577
Instrument	392

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Dec 12, 2019
Property Address	453 LAKE RD, WEBSTER, NY 14580-1053
Document Number	0000000969
Book / Page	012283 / 000367
Instrument Date	Nov 30, 2019
Instrument	969
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Tax	$680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7364 SLOCUM RD ONTARIO NY 145199751, ONTARIO, NY 14519-9751

Tax Assessment & Valuation

The 2026 property tax bill for 453 Lake Rd was $4,836, up 1% from the year before.

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	$4,836.00 (+1.02%)
2025	$4,787.00	$102,200 Land $28,800 Building $73,400	$212,900 Land $59,995 Building $152,905
2023		$102,200 (-) Land $28,800 Building $73,400	$176,200 (+10.33%) Land $49,653 Building $126,547
2022		$102,200 Land $28,800 Building $73,400	$159,700 Land $45,004 Building $114,696
2021	$4,460.00

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

Flood

FEMA maps place 453 Lake Rd in Zone X, an area of minimal flood risk, though there have been 17 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	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

Wildfire risk around 453 Lake Rd is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 199 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Rd

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