645 Saddle Crest Dr, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 645 Saddle Crest Dr, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 1998
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Jun 2004)
Tax Bill	$8,937 (2026)
Deeds & Mortgages	Jun 2018 Loan Modification Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`COM-0019319`

Property Details

APN / Parcel Number

Primary APN	`COM-0019319`
Alternative APN	`265489 078.08-1-60`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	1,148 sqft
2nd Floor Area	702 sqft
Upper Floors Area	40 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	191 ft deep x 90.6 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	52 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	COM-0019319
Street Address	645 SADDLE CREST DR
City	WEBSTER
State	NY
Zip	14580-4051
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L11 T14 R7 SEC 14 PRESTON PARK SUB PHII L 17 287-12
Legal Block	1
Legal Lot Number	60.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	3
Census Block	3013
Census Tract	11205

Owner

645 Saddle Crest Dr is owned and occupied by an individual who bought it in June 2004.

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

Owner of Record	Individual Name on File
Mailing Address	645 SADDLE CREST DR, WEBSTER, NY 14580-4051
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
Jun 22, 2018	Loan Modification, Mortgage · Conventional Mortgage SUMMIT FCU
Jun 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2004 · Amount on File
Deed Sale	Jun 28, 2004 · Amount on File
Prior Sale	Oct 16, 1998 · Amount on File
Deed Book / Page	9978 / 438
Record Updated	Oct 29, 2026

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	645 SADDLE CREST DR, WEBSTER, NY 14580-4051
Document Number	0000000338
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SADDLE CREST DR WEBSTER NY 145804051, WEBSTER, NY 14580-4051

Mortgage

Document Number	0000000338
Date	Jul 6, 2018
Book Page	027669/000275
Instrument	338

Lender

Name	SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 5, 2028

Interest

Rate	4.37%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	645 SADDLE CREST DR, WEBSTER, NY 14580-4051
Document Number	0000000337
Instrument Date	Jun 22, 2018
Transaction Type	Mortgage
Record Updated	Jul 30, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 SADDLE CREST DR WEBSTER NY 145804051, WEBSTER, NY 14580-4051

Mortgage

Document Number	0000000337
Date	Jul 6, 2018
Book Page	027669/000257
Instrument	337

Lender

Name	SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 5, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 645 Saddle Crest Dr was $8,937 with a homeowner's exemption, up 7.1% 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	$8,937.00 (+7.12%) Homeowner's exemption
2025	$8,343.00	$184,000 Land $28,800 Building $155,200	$383,300 Land $59,995 Building $323,305
2023		$184,000 (-) Land $28,800 Building $155,200	$317,200 (+10.33%) Land $49,649 Building $267,551
2022		$184,000 Land $28,800 Building $155,200	$287,500 Land $45,000 Building $242,500
2021	$7,826.00

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

Flood

FEMA maps place 645 Saddle Crest Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.

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	3 in force
Nearby Flood Claims	1 (2006)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2006 · rainfall accumulation

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 645 Saddle Crest Dr 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 115 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

May also be available: T-Mobile.

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