654 N Cove Dr, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 654 N Cove Dr, Webster, NY 14580

Property Summary

Property Type	Townhouse
Details	2 bd · 3.5 ba · 1,922 sqft · built 1989
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Apr 2022)
Tax Bill	$10,969 (2025)
Deeds & Mortgages	Apr 2022 Sale Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`WEB-0000658`

Property Details

APN / Parcel Number

Primary APN	`WEB-0000658`
Alternative APNs	`54890631300001036000` `265489 063.13-1-36`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,922 sqft Living Area
1st Floor Area	1,138 sqft
2nd Floor Area	784 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Other
Exterior Material	Wood
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	WEB-0000658
Street Address	654 N COVE DR
City	WEBSTER
State	NY
Zip	14580-3903
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	0076-14-07 GORE TRACT STONY POINT RESUB LR130 259-54
Legal Subdivision	STONY POINT LANDING SUBDIVISION
Legal Block	1
Legal Lot Number	36.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	1
Census Block	1004
Census Tract	11201

Owner

Source: Monroe County and Webster Town records, as of March 30, 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	654 N COVE DR, PVT, WEBSTER, NY 14580-3903
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2022	Warranty Deed, Transfer CHICAGO TITLE ROCHESTER
Nov 24, 2021	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Jul 29, 2016 · Amount on Record
Deed Document Number	2022888
Deed Book / Page	12656 / 385
Record Updated	Jun 8, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Apr 29, 2022
Property Address	654 N COVE DR, WEBSTER, NY 14580-3903
Document Number	0000000888
Book / Page	12656 / 385
Map Reference	LB 243 PG 58
Instrument Date	Apr 28, 2022
Instrument	202204290888
Transaction Type	Transfer
Record Updated	Jun 6, 2022
Title Company	CHICAGO TITLE ROCHESTER

Transaction

Amount	Amount Recorded
Tax	$1,280.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	654 N COVE DR, 654, WEBSTER, NY 14580-3903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 N COVE DR, WEBSTER, NY 14580-3903

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	654 N COVE DR, WEBSTER, NY 14580-3903
Transaction Type	Mortgage
Record Updated	Jan 10, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000512
Date	Nov 24, 2021
Book Page	29604/451
Instrument	202111240512

Lender

Name	ESL FCU
Type	Credit Union
Address	42357

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$10,969.00 (+5.04%)	$229,800 (-) Land $22,000 Building $207,800	$478,800 (+20.85%) Land $45,838 Building $432,962
2023		$229,800 (-) Land $22,000 Building $207,800	$396,200 (+10.33%) Land $37,930 Building $358,270
2022		$229,800 Land $22,000 Building $207,800	$359,100 Land $34,379 Building $324,721
2021	$10,443.00

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 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 80% of the US · above 54% of New York
Wildfire Likelihood	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 152 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, Verizon.

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