620 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 620 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,222 sqft · built 1952
Lot Size	2.1 acres (91,476 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (May 1996)
Tax Bill	$14,212 (2025)
Deeds & Mortgages	May 2026 Reverse Mortgage May 2026 Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265489 048.20-1-5`

Property Details

APN / Parcel Number

Primary APN	`265489 048.20-1-5`
Alternative APNs	`54890482000001005000` `03492300000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,222 sqft Living Area
1st Floor Area	1,914 sqft
Upper Floors Area	1,308 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	91,476 sqft (2.1 acres)
Lot Dimensions	200 ft deep x 100 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	309 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	03492300000
Street Address	620 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0056-14-07
Legal Subdivision	PHELPS & GORHAM PURCHASE
Legal Block	1
Legal Lot Number	5.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2003
Census Tract	11302

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	620 LAKE RD, WEBSTER, NY 14580-1520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 19, 2026	Deed of Trust, Mortgage · Reverse Mortgage FEDERAL HOUSING COMMISSIONER
May 19, 2026	Deed of Trust, Mortgage · Reverse Mortgage LONGBRIDGE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 1996 · Amount on Record
Deed Sale	May 17, 1996 · Amount on Record
Deed Book / Page	8738 / 352
Last Transfer Date	Dec 12, 2009
Transfer Doc	0000000193
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	May 19, 2026
Property Address	620 LAKE RD, WEBSTER, NY 14580-1520
Document Number	0003421933
Book / Page	31326 / 840
Instrument Date	May 11, 2026
Instrument	20263421933
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 LAKE RD, WEBSTER, NY 14580-1520

Mortgage

Document Number	0003421933,
Date	May 19, 2026
Book Page	31326/840
Instrument	20263421933

Lender

Name	FEDERAL HOUSING COMMISSIONER

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	766 Months
Due	Mar 14, 2090

Interest

Rate	6.37%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	May 19, 2026
Property Address	620 LAKE RD, WEBSTER, NY 14580-1520
Document Number	0003421932
Book / Page	31326 / 826
Instrument Date	May 11, 2026
Instrument	20263421932
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	620 LAKE RD, WEBSTER, NY 14580-1520

Mortgage

Document Number	0003421932,
Date	May 19, 2026
Book Page	31326/826
Instrument	20263421932

Lender

Name	LONGBRIDGE FINANCIAL LLC

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	766 Months
Due	Mar 14, 2090

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

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
2025	$14,212.00 (-8.31%)	$379,500 (-) Land $141,000 Building $238,500	$790,600 (+20.83%) Land $293,741 Building $496,859
2023		$379,500 (-) Land $141,000 Building $238,500	$654,300 (+10.34%) Land $243,100 Building $411,200
2022		$379,500 Land $141,000 Building $238,500	$593,000 Land $220,324 Building $372,676
2021	$15,500.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1979–2004)
Most Recent Claim	Aug 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 91 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

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