650 Saddle Crest Dr, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 650 Saddle Crest Dr, Webster, NY 14580

Property Summary

Details	4 bd · 3.5 ba · 2,750 sqft · built 1996
Lot Size	0.78 acres (33,977 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Oct 2023)
Tax Bill	$13,781 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265489 078.08-1-56`

Property Details

APN / Parcel Number

Primary APN	`265489 078.08-1-56`
Alternative APNs	`54890780800001056000` `07808156`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,750 sqft Living Area
Gross Area	2,736 sqft
1st Floor Area	1,781 sqft
2nd Floor Area	953 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	33,977 sqft (0.78 acres)
Lot Dimensions	170 ft deep x 400 ft wide
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	572 sqft
Porch	Slab
Porch Area	180 sqft
Patio Area	1,192 sqft
Gazebo	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	07808156
Street Address	650 SADDLE CREST DR
City	WEBSTER
State	NY
Zip	14580-4049
Property Category	Other
Property Type	Unknown
Legal Description	0011-14-07 S14 PRESTON PARK SUB PH 1 LOT 37 277-17
Legal Block	1
Legal Lot Number	56.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	3
Census Block	3000
Census Tract	11205

Owner

650 Saddle Crest Dr is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049
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
Oct 10, 2023	Warranty Deed, Transfer · FHA Mortgage PRIMELENDING
Nov 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK
Nov 22, 2019	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2023 · Amount on File
Deed Sale	Oct 10, 2023 · Amount on File
Prior Sale	Oct 9, 1996 · Amount on File
Deed Document Number	20231278
Deed Book / Page	12875 / 223
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 10, 2023
Property Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049
Document Number	0000001278
Book / Page	12875 / 223
Map Reference	LB 277 PG 17&18
Instrument Date	Sep 18, 2023
Instrument	202310101278
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,940.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049

Mortgage

Document Number	0000001279
Date	Oct 10, 2023
Instrument	202310101279

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049
Document Number	0000000855
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	650 SADDLE CREST DR WEBSTER NY 145804049, WEBSTER, NY 14580-4049

Mortgage

Document Number	0000000855
Date	Feb 28, 2020
Book Page	028408/000035
Instrument	855

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	650 SADDLE CREST DR, WEBSTER, NY 14580-4049
Document Number	0000000856
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Apr 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	650 SADDLE CREST DR WEBSTER NY 145804049, WEBSTER, NY 14580-4049

Mortgage

Document Number	0000000856
Date	Feb 28, 2020
Book Page	028408/000053
Instrument	856

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 27, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

Tax Assessment & Valuation

The 2026 property tax bill for 650 Saddle Crest Dr was $13,781, down 2.2% 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	$13,781.00 (-2.23%)
2025	$14,096.00	$287,100 Land $30,100 Building $257,000	$598,100 Land $62,706 Building $535,394
2023		$287,100 (-) Land $30,100 Building $257,000	$495,000 (+10.34%) Land $51,897 Building $443,103
2022		$287,100 Land $30,100 Building $257,000	$448,600 Land $47,032 Building $401,568
2021	$11,964.00

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

Flood

FEMA maps place 650 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 650 Saddle Crest Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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