55 Main St, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 55 Main St, Phelps, NY 14532

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,385 sqft · built 1850
Lot Size	0.269 acres (11,721 sqft)
Owner	Individual Name on File
Last Sale	$114,000 (Mar 2019)
Tax Bill	$4,289 (2026)
Deeds & Mortgages	Jan 2022 Refinance Jan 2022 Transfer + 1 more
APN	`5231-000-06`

Property Details

APN / Parcel Number

Primary APN	`5231-000-06`
Alternative APN	`324001 48.09-3-38.000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,385 sqft Living Area
1st Floor Area	1,257 sqft
2nd Floor Area	1,128 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,721 sqft (0.269 acres)
Lot Dimensions	254 ft deep x 46 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	480 sqft
Porch	Slab
Porch Area	292 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5231-000-06
Street Address	55 MAIN ST
City	PHELPS
State	NY
Zip	14532-1038
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	0.269 AC
Legal Block	3
Legal Lot Number	38.000
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	2
Census Block	2016
Census Tract	50401

Owner

55 Main St is owned and occupied by an individual who acquired it in December 2021.

Source: Ontario County and Phelps Town 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	55 MAIN ST, PHELPS, NY 14532-1038
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Jan 4, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 13, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 13, 2019 · Amount on File
Deed Sale	Mar 13, 2019 · Amount on File
Prior Sale	May 30, 2014
Deed Book / Page	1424 / 643
Last Transfer Date	Dec 10, 2021
Transfer Doc	0000000243
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	55 MAIN ST, PHELPS, NY 14532-1038
Transaction Type	Mortgage
Record Updated	Feb 26, 2024
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003130/165
Date	Jan 4, 2022
Book Page	3130/165
Instrument	202201040244

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONTARIO NY
Recording Date	Jan 4, 2022
Property Address	55 MAIN ST, PHELPS, NY 14532-1038
Document Number	001488/307
Book / Page	1488 / 307
Instrument Date	Dec 10, 2021
Instrument	202201040243
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Mar 13, 2019
Property Address	55 MAIN ST, PHELPS, NY 14532-1038
Document Number	001424/643
Book / Page	1424 / 643
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002873784
Date	Mar 13, 2019
Instrument	2873/784

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	001424/643
Date	Mar 13, 2019
Book Page	1424/643

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 55 Main St was $4,289, up 20.2% from the year before.

Source: Ontario County and Phelps Town assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Phelps Town
Municipality	Phelps Village
Unified School District	Phelps-Clifton Springs Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,289.00 (+20.24%)
2025	$3,567.00	$114,000 Land $12,500 Building $101,500	$158,300 Land $17,357 Building $140,943
2023		$114,000 (-) Land $12,500 Building $101,500	$139,000 (+12.18%) Land $15,241 Building $123,759
2022		$114,000 Land $12,500 Building $101,500	$123,913 Land $13,587 Building $110,326

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

Flood

FEMA has no flood map on file for 55 Main 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

Wildfire risk around 55 Main 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	PHELPS ROUTE 14 WD serves 400 people · EPA ID NY3430049
Water Source	Purchased surface water from WATERLOO VILLAGE
Last State Inspection	Oct 2024
Also Mapped Here	PHELPS VILLAGE
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CBN.

Nearby Properties on Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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