776 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 776 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,616 sqft · built 1993
Lot Size	5.72 acres (249,163 sqft)
Owner	Individual Name on File
Last Sale	$177,452 (Mar 2006)
Tax Bill	$7,855 (2026)
Deeds & Mortgages	Jun 2022 Line of Credit Jun 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`COM-0009125`

Property Details

APN / Parcel Number

Primary APN	`COM-0009125`
Alternative APNs	`263889 100.03-1-7.21` `38891000300001007210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,616 sqft Living Area
1st Floor Area	1,616 sqft
Game Room	Game Room

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	249,163 sqft (5.72 acres)
Garage Type	Mixed
Garage Area	1,962 sqft
Parking Spaces	7 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	425 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	COM-0009125
Street Address	776 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	T.LOT 102 TWP. 3 RNG.1 WARNER SUB LOT2 L272P40
Legal Block	1
Legal Lot Number	7.210
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1012
Census Tract	14903

Owner

776 Chambers St is owned and occupied by an individual who bought it in March 2006.

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

Owner of Record	Individual Name on File
Mailing Address	776 CHAMBERS ST, SPENCERPORT, NY 14559-9794
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
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jun 7, 2022	Deed of Trust, Mortgage · Line of Credit ESL FCU
Mar 13, 2019	Loan Modification, Mortgage · Line of Credit ESL FCU
Mar 13, 2019	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2006 · Amount on File
Deed Sale	Mar 16, 2006 · Amount on File
Deed Book / Page	10270 / 170
Prior Transfer Date	May 28, 2003
Prior Transfer Doc	0000001147
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	776 CHAMBERS ST, SPENCERPORT, NY 14559-9794
Transaction Type	Mortgage
Record Updated	Sep 13, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000162
Date	Jun 7, 2022
Book Page	29916/314
Instrument	202206070162

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	776 CHAMBERS ST, SPENCERPORT, NY 14559-9794
Transaction Type	Mortgage
Record Updated	Sep 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000161
Date	Jun 7, 2022
Book Page	29916/305
Instrument	202206070161

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	776 CHAMBERS ST, SPENCERPORT, NY 14559-9794
Document Number	0000000347
Instrument Date	Mar 13, 2019
Transaction Type	Mortgage
Record Updated	May 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	776 CHAMBERS ST SPENCERPORT NY 145599794, SPENCERPORT, NY 14559-9794

Mortgage

Document Number	0000000347
Date	Apr 1, 2019
Book Page	027969/000327
Instrument	347

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	776 CHAMBERS ST, SPENCERPORT, NY 14559-9794
Document Number	0000000346
Instrument Date	Mar 13, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2019
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	776 CHAMBERS ST SPENCERPORT NY 145599794, SPENCERPORT, NY 14559-9794

Mortgage

Document Number	0000000346
Date	Apr 1, 2019
Book Page	027969/000318
Instrument	346

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	0.75%

Tax Assessment & Valuation

The 2026 property tax bill for 776 Chambers St was $7,855, down 0.8% from the year before.

Source: Monroe County and Ogden Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Ogden Town
Unified School District	Churchville-Chili Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,855.00 (-0.82%)
2025	$7,920.00	$314,100 Land $42,400 Building $271,700	$317,300 Land $42,832 Building $274,468
2023		$203,000 (-) Land $36,800 Building $166,200	$294,200 (+18.82%) Land $53,333 Building $240,867
2022		$203,000 Land $36,800 Building $166,200	$247,600 Land $44,885 Building $202,715
2021	$7,251.00

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

Flood

FEMA maps place 776 Chambers St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.

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	3 (1978–2004)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2004 · Severe Storms And 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

Wildfire risk around 776 Chambers St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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