686 N Cove Dr, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 686 N Cove Dr, Webster, NY 14580

Property Summary

Property Type	Townhouse
Details	3 bd · 2.5 ba · 1,808 sqft · built 1989
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2022)
Tax Bill	$10,235 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`WEB-0000663`

Property Details

APN / Parcel Number

Primary APN	`WEB-0000663`
Alternative APNs	`54890631300001041000` `265489 063.13-1-41`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,808 sqft Living Area
1st Floor Area	1,296 sqft
2nd Floor Area	512 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	Aluminum/Vinyl
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	227 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	WEB-0000663
Street Address	686 N COVE DR
City	WEBSTER
State	NY
Zip	14580-3902
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	0076-14-07 STONY POINT SUB 135 BL6 RESUB LR135 290-21
Legal Block	1
Legal Lot Number	41.000
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	Individual Name on Record
Mailing Address	686 N COVE DR, PVT, WEBSTER, NY 14580-3902
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2022 · Amount on Record
Deed Sale	Jul 18, 2022 · Amount on Record
Prior Sale	Jul 28, 2003 · Amount on Record
Deed Document Number	20221336
Deed Book / Page	12692 / 684
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jul 18, 2022
Property Address	686 N COVE DR, WEBSTER, NY 14580-3902
Document Number	0000001336
Book / Page	12692 / 684
Map Reference	LB 243 PG 58
Instrument Date	Jul 18, 2022
Instrument	202207181336
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,200.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 OLD WOODS RD, 604, WEBSTER, NY 14580-1563

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 N COVE DR, WEBSTER, NY 14580-3902

Mortgage

Document Number	0000001337
Date	Jul 18, 2022
Instrument	202207181337

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Aug 1, 2027
Change Frequency	Monthly
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

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	$10,235.00 (+4.91%)	$214,000 (-) Land $22,000 Building $192,000	$445,800 (+20.81%) Land $45,830 Building $399,970
2023		$214,000 (-) Land $22,000 Building $192,000	$369,000 (+10.35%) Land $37,935 Building $331,065
2022		$214,000 Land $22,000 Building $192,000	$334,400 Land $34,378 Building $300,022
2021	$9,756.00

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
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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