461 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 461 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,535 sqft · built 1975
Lot Size	2.56 acres (111,514 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,741 (2026)
Deeds & Mortgages	May 2022 Line of Credit Jan 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`263889 101.03-2-5.1`

Property Details

APN / Parcel Number

Primary APN	`263889 101.03-2-5.1`
Alternative APNs	`38891010300002005100` `263889 101.03-2-5.4` `02205070000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,535 sqft Living Area
1st Floor Area	2,225 sqft
Basement Area	310 sqft
Finished Basement	310 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Architectural Style	Split Level
Exterior Material	Wood
Lot Area	111,514 sqft (2.56 acres)
Garage Type	Basement
Porch	Slab
Porch Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02205070000
Street Address	461 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Block	2
Legal Lot Number	5.400
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1015
Census Tract	14903

Owner

461 Chambers St is owned and occupied by two individuals who acquired it in April 2007.

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

Owner of Record	2 Individual Names on File
Mailing Address	461 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 10, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Jan 13, 2023	Intrafamily Transfer, Transfer
Jun 8, 2017	Loan Modification, Mortgage · Line of Credit MANUFACTURERS & TRADERS TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 4, 2007
Transfer Doc	0000000807
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Transaction Type	Mortgage
Record Updated	Feb 13, 2024
Title Company	NOT AVAILABLE, SINGLE SOURCE PROP SLN LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788

Mortgage

Document Number	0000000409
Date	May 10, 2022
Book Page	29875/236
Instrument	202205100409

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	SPENCERPORT, NY 14559

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE NY
Recording Date	Jan 13, 2023
Property Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Document Number	0000000936
Book / Page	12769 / 535
Map Reference	LB 357 PG 66
Instrument Date	Dec 30, 2022
Instrument	202301130936
Transaction Type	Transfer
Record Updated	Feb 13, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	461 CHAMBERS ST, SPENCERPORT, NY 14559-9788
Document Number	0000000694
Book / Page	027189 / 000670
Instrument Date	Jun 8, 2017
Transaction Type	Mortgage
Record Updated	Jun 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 CHAMBERS ST SPENCERPORT NY 145599788, SPENCERPORT, NY 14559-9788

Mortgage

Document Number	0000000694
Date	Jun 20, 2017
Book Page	027189/000670
Instrument	694

Lender

Name	MANUFACTURERS & TRADERS TR
Address	BUFFALO, NY 14203

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 461 Chambers St was $4,741 with exemptions applied, down 27.8% 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	Churchville-Chili Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,741.00 (-27.79%) Homeowner's exemption Senior Citizen's exemption
2025	$6,566.00	$189,000 Land $36,100 Building $152,900	$190,900 Land $36,463 Building $154,437
2023		$169,000 (+2.42%) Land $28,900 Building $140,100	$244,900 (+21.72%) Land $41,879 Building $203,021
2022		$165,000 Land $25,100 Building $139,900	$201,200 Land $30,607 Building $170,593
2021	$4,537.00

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

Flood

FEMA maps place 461 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 461 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 94% of the US · lower than 93% 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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