656 Lake Rd, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 656 Lake Rd, Webster, NY 14580 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 3,000 sqft · built 1959
Lot Size	1.23 acres (53,579 sqft)
Owner	2 Individual Names on File
Last Sale	$667,000 (Aug 2018)
Tax Bill	$22,109 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Jun 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`265489 048.20-1-20`

Property Details

APN / Parcel Number

Primary APN	`265489 048.20-1-20`
Alternative APNs	`54890482000001020000` `03492040000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,000 sqft Living Area
1st Floor Area	2,099 sqft
2nd Floor Area	901 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	53,579 sqft (1.23 acres)
Lot Dimensions	350 ft deep x 157 ft wide
View / Lot	Waterfront / Beach
Garage Type	Attached
Garage Area	636 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Boat House	Boat House

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03492040000
Street Address	656 LAKE RD
City	WEBSTER
State	NY
Zip	14580-1553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0046-14-07
Legal Subdivision	GORE TRACT
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2003
Census Tract	11302

Owner

Source: Monroe County and Webster Town records · APN 265489 048.20-1-20

Assessment roll updated March 30, 2026 · Last verified April 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 File
Mailing Address	656 LAKE RD, WEBSTER, NY 14580-1553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2022	Deed of Trust, Mortgage · Line of Credit ADVANTAGE FCU
Jun 25, 2020	Deed of Trust, Mortgage · Line of Credit ADVANTAGE FCU
Aug 30, 2018	Warranty Deed, Transfer
Jan 09, 2017	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 30, 2018 · Amount on Record
Deed Sale	Aug 30, 2018 · Amount on Record
Prior Sale	Jul 12, 2011 · Amount on Record
Deed Document Number	2018432
Deed Book / Page	12075 / 75
Prior Transfer Date	Dec 22, 2009
Prior Transfer Doc	0000000163
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	656 LAKE RD, WEBSTER, NY 14580-1553
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 LAKE RD, WEBSTER, NY 14580-1553

Mortgage

Document Number	0000001628
Date	Nov 29, 2022
Book Page	30144/13
Instrument	202211291628

Lender

Name	ADVANTAGE FCU
Type	Credit Union
Address	ROCHESTER, NY 14623

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	656 LAKE RD, WEBSTER, NY 14580-1553
Document Number	0000000757
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Aug 11, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 LAKE RD WEBSTER NY 145801553, WEBSTER, NY 14580-1553

Mortgage

Document Number	0000000757
Date	Jun 29, 2020
Book Page	028588/000053
Instrument	757

Lender

Name	ADVANTAGE FCU
Address	ROCHESTER, NY 14624

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 28, 2045

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Aug 30, 2018
Property Address	656 LAKE RD, WEBSTER, NY 14580-1553
Document Number	0000000432
Book / Page	12075 / 75
Map Reference	LB11017 PG285
Instrument Date	Aug 06, 2018
Instrument	201808300432
Transaction Type	Transfer
Record Updated	May 05, 2022

Transaction

Amount	Amount Recorded
Tax	$2,668.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 LAKE RD, WEBSTER, NY 14580-1553

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	656 LAKE RD, WEBSTER, NY 14580-1553
Document Number	0000000438
Book / Page	026992 / 000353
Instrument Date	Jan 09, 2017
Transaction Type	Mortgage
Record Updated	Jan 18, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 LAKE RD WEBSTER NY 145801553, WEBSTER, NY 14580-1553

Mortgage

Document Number	0000000438
Date	Jan 13, 2017
Book Page	026992/000353
Instrument	438

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 12, 2032

Tax Assessment & Valuation

Source: Monroe County and Webster Town records · Assessment roll updated March 30, 2026 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$22,109.00 (+4.57%)	$475,000 (-) Land $142,800 Building $332,200	$989,600 (+20.83%) Land $297,505 Building $692,095
2023		$475,000 (-) Land $142,800 Building $332,200	$819,000 (+10.35%) Land $246,217 Building $572,783
2022		$475,000 Land $142,800 Building $332,200	$742,200 Land $223,129 Building $519,071
2021	$21,142.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Monroe County (36055C), updated May 27, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360550113022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1979–2004)
Most Recent Claim	Aug 2004, river or lake flooding, Severe Storms And Flooding

Wildfire

Wildfire Risk	Low above 5% of the US · above 7% of New York
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 91 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Greenlight Networks Holding	Fiber	8,000 / 8,000
Frontier	Fiber	7,000 / 7,000
Spectrum	Cable	1,000 / 1,000

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Lake Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures