638 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 638 Lake Rd, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 3,158 sqft · built 1985
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$486,000 (Jul 2011)
Tax Bill	$26,645 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265489 048.20-1-14`

Property Details

APN / Parcel Number

Primary APN	`265489 048.20-1-14`
Alternative APNs	`54890482000001014000` `03492100004`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,158 sqft Living Area
1st Floor Area	1,250 sqft
2nd Floor Area	658 sqft
Basement Area	1,250 sqft
Finished Basement	1,250 sqft
Unfinished Basement	1,250 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	74,052 sqft (1.7 acres)
Lot Dimensions	200 ft deep x 135 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	88 sqft
Patio Area	1,032 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03492100004
Street Address	638 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0056-14-07 KLINGBIEL L3 0209011
Legal Subdivision	KLINGBIEL SUBDIVISION
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2003
Census Tract	11302

Owner

638 Lake Rd is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	638 LAKE RD, WEBSTER, NY 14580-1520
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit THE CANANDAIGUA NATIONAL BANK & TRUST CO
Feb 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage CNB MTG
Feb 27, 2017	Loan Modification, Consolidation and Extension, Mortgage · Conventional Mortgage CNB MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2011 · Amount on File
Deed Sale	Jul 12, 2011 · Amount on File
Prior Sale	Jul 12, 2011 · Amount on File
Deed Document Number	2011203
Deed Book / Page	11017 / 207
Last Transfer Date	Apr 18, 2025
Transfer Doc	0000002193
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	638 LAKE RD, WEBSTER, NY 14580-1520
Transaction Type	Mortgage
Record Updated	May 1, 2024
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 LAKE RD, WEBSTER, NY 14580-1520

Mortgage

Document Number	0000000478
Date	Apr 1, 2024
Book Page	30619/425
Instrument	202404010478

Lender

Name	THE CANANDAIGUA NATIONAL BANK & TRUST CO
Type	Bank
Address	CANANDAIGUA, NY 14424

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	638 LAKE RD, WEBSTER, NY 14580-1520
Document Number	0000000697
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 LAKE RD WEBSTER NY 145801520, WEBSTER, NY 14580-1520

Mortgage

Document Number	0000000697
Date	Mar 3, 2017
Book Page	027049/000124
Instrument	697

Lender

Name	CNB MTG
Type	Mortgage Company
Address	PITTSFORD, NY 14534

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 2, 2032

February 2017: Loan Modification, Consolidation and Extension, Mortgage

Document Type	Loan Modification, Consolidation and Extension
Jurisdiction	MONROE NY
Property Address	638 LAKE RD, WEBSTER, NY 14580-1520
Document Number	0000000698
Instrument Date	Feb 27, 2017
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 LAKE RD WEBSTER NY 145801520, WEBSTER, NY 14580-1520

Mortgage

Document Number	0000000698
Date	Mar 3, 2017
Book Page	027049/000141
Instrument	698

Lender

Name	CNB MTG
Type	Mortgage Company
Address	PITTSFORD, NY 14534

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 2, 2032

Interest

Rate Type	Fixed Rate
Rate	3.5%

Tax Assessment & Valuation

The 2026 property tax bill for 638 Lake Rd was $26,645, up 26% 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	$26,645.00 (+26%)
2025	$21,147.00	$465,000 Land $144,200 Building $320,800	$968,800 Land $300,432 Building $668,368
2023		$465,000 (-) Land $144,200 Building $320,800	$801,700 (+10.34%) Land $248,613 Building $553,087
2022		$465,000 Land $144,200 Building $320,800	$726,600 Land $225,324 Building $501,276
2021	$18,722.00

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

Flood

FEMA maps place 638 Lake Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 638 Lake Rd 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	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 and 4G LTE (outdoors only)

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