475 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 475 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,321 sqft · built 1960
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$81,000 (Jun 1994)
Tax Bill	$4,733 (2026)
Deeds & Mortgages	May 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`263889 101.03-2-1`

Property Details

APN / Parcel Number

Primary APN	`263889 101.03-2-1`
Alternative APNs	`38891010300002001000` `02206000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,321 sqft Living Area
1st Floor Area	1,035 sqft
Basement Area	286 sqft
Finished Basement	286 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	233 ft deep x 120 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	658 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	02206000000
Street Address	475 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	L119 T3 R1 326870350
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1015
Census Tract	14903

Owner

475 Chambers St is owned and occupied by two individuals who bought it in June 1994.

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

Owner of Record	2 Individual Names on File
Mailing Address	475 CHAMBERS ST, SPENCERPORT, NY 14559-9759
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 1994 · Amount on File
Deed Sale	Jun 23, 1994 · Amount on File
Deed Book / Page	8490 / 410
Record Updated	Oct 29, 2026

May 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	475 CHAMBERS ST, SPENCERPORT, NY 14559-9759
Document Number	0000000304
Book / Page	027214 / 000502
Instrument Date	May 18, 2017
Transaction Type	Mortgage
Record Updated	Jul 11, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 CHAMBERS ST SPENCERPORT NY 145599759, SPENCERPORT, NY 14559-9759

Mortgage

Document Number	0000000304
Date	Jul 6, 2017
Book Page	027214/000502
Instrument	304

Lender

Name	MIDFIRST BK
Type	Federal Savings Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2047

Interest

Rate Type	Fixed Rate
Rate	4.5%

Tax Assessment & Valuation

The 2026 property tax bill for 475 Chambers St was $4,733 with exemptions applied, up 40.1% 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	$4,733.00 (+40.11%) Homeowner's exemption Senior Citizen's exemption
2025	$3,378.00	$188,700 Land $28,500 Building $160,200	$190,600 Land $28,787 Building $161,813
2023		$112,600 (-) Land $21,100 Building $91,500	$163,200 (+18.86%) Land $30,582 Building $132,618
2022		$112,600 Land $21,100 Building $91,500	$137,300 Land $25,729 Building $111,571
2021	$3,492.00

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

Flood

FEMA maps place 475 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 475 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 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.

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)

Nearby Properties on Chambers St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures