646 Midship Cir, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 646 Midship Cir, Webster, NY 14580

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 2,240 sqft · built 1990
Lot Size	0.08 acres (3,485 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,500 (Aug 2015)
Tax Bill	$11,288 (2026)
Deeds & Mortgages	Sep 2020 Line of Credit Sep 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`WEB-0000717`

Property Details

APN / Parcel Number

Primary APN	`WEB-0000717`
Alternative APNs	`54890631300001095000` `265489 063.13-1-95`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,240 sqft Living Area
1st Floor Area	1,284 sqft
Basement Area	956 sqft
Finished Basement	956 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Wood
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	WEB-0000717
Street Address	646 MIDSHIP CIR
City	WEBSTER
State	NY
Zip	14580-3914
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	L76 T14 R7 STONY PT LANDIN S3 LR334 264-72
Legal Subdivision	STONY POINT LANDING SUBDIVISION
Legal Block	1
Legal Lot Number	95.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1000
Census Tract	11201

Owner

Source: Monroe County and Webster Town records, as of September 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	646 MIDSHIP CIR, WEBSTER, NY 14580-3914
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2020	Deed of Trust, Mortgage · Line of Credit ESL FCU
Sep 16, 2020	Loan Modification, Mortgage · Line of Credit ESL FCU
Aug 21, 2020	Loan Modification, Mortgage · Conventional Mortgage ESL FCU
Oct 28, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2015 · Amount on Record
Deed Sale	Aug 14, 2015 · Amount on Record
Prior Sale	Jul 2, 2002 · Amount on Record
Deed Document Number	2015267
Deed Book / Page	11577 / 229
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	646 MIDSHIP CIR, WEBSTER, NY 14580-3914
Document Number	0000000131
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MIDSHIP CIR WEBSTER NY 145803914, WEBSTER, NY 14580-3914

Mortgage

Document Number	0000000131
Date	Sep 25, 2020
Book Page	028753/000074
Instrument	131

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604-2424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	646 MIDSHIP CIR, WEBSTER, NY 14580-3914
Document Number	0000000132
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MIDSHIP CIR WEBSTER NY 145803914, WEBSTER, NY 14580-3914

Mortgage

Document Number	0000000132
Date	Sep 25, 2020
Book Page	028753/000083
Instrument	132

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	646 MIDSHIP CIR, WEBSTER, NY 14580-3914
Document Number	0000000038
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	CHICAGO TITLE ROCHESTER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MIDSHIP CIR WEBSTER NY 145803914, WEBSTER, NY 14580-3914

Mortgage

Document Number	0000000038
Date	Sep 2, 2020
Book Page	028708/000471
Instrument	38

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2030

Interest

Rate Type	Adjustable Rate
Rate	2.62%

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MONROE NY
Recording Date	Oct 28, 2020
Property Address	646 MIDSHIP CIR, WEBSTER, NY 14580-3914
Document Number	0000000912
Book / Page	012413 / 000370
Instrument Date	Aug 1, 2020
Instrument	912
Transaction Type	Transfer
Record Updated	Dec 8, 2020
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	8 SUMMER HAVEN DR HILTON NY 144689138, HILTON, NY 14468-9138

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
2026	$11,288.00 (+1.43%) Veteran's exemption
2025	$11,129.00	$241,800 (-9.61%) Land $22,000 Building $219,800	$503,800 (+9.24%) Land $45,838 Building $457,962
2023		$267,500 Land $22,000 Building $245,500	$461,200 Land $37,930 Building $423,270

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	May 1993 · river or lake 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 91% 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 187 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
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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