85 Main St, Phelps, NY 14532 Property Records

Ontario County and Phelps Town property record for 85 Main St, Phelps, NY 14532

Property Summary

Property Type	Mixed Use Commercial Office / Residential
Details	4,000 sqft · built 1960
Lot Size	0.05 acres (2,178 sqft)
Owner	Company Name on Record
Last Sale	$100,000 (Jun 2019)
Tax Bill	$6,716 (2026)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2019 Mortgage + 4 more
APN	`5248-000-06`

Property Details

APN / Parcel Number

Primary APN	`5248-000-06`
Alternative APNs	`324001 48.09-2-62.100` `40010480090002062100`

Interior

Stories	2 Stories
Building Area	4,000 sqft Gross Area
Basement Area	2,000 sqft
Unfinished Basement	2,000 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	61 ft deep x 40.3 ft wide

Utilities, Heating & Cooling

Cooling System	Partial
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	5248-000-06
Street Address	85 MAIN ST
City	PHELPS
State	NY
Zip	14532-1054
Property Category	Commercial
Property Type	Commercial > Office > Mixed Use Commercial Office / Residential
Local Zoning Code	05 - COMME
Legal Description	905/545 0.118 ACRE
Legal Block	2
Legal Lot Number	62.100
Jurisdiction	ONTARIO NY
Township / Civil Division	PHELPS
Census Block Group	2
Census Block	2014
Census Tract	50401

Owner

Source: Ontario County and Phelps Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	6 SOUTH ST, CLIFTON SPRINGS, NY 14432-1118
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Jun 21, 2019	Deed of Trust, Mortgage · FHA Mortgage CNB MORTGAGE CO
May 17, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Nov 9, 2022	Quit Claim Deed, Transfer Quitclaim
Jun 25, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage GENERATIONS BANK
Jan 4, 2017	Foreclosure NOT AVAILABLE, CHRISTI L MILLER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2019 · Amount on Record
Deed Sale	Jun 25, 2019 · Amount on Record
Prior Sale	Jan 4, 2017 · Amount on Record
Deed Book / Page	1430 / 628
Last Transfer Date	Oct 19, 2022
Transfer Doc	001508/212
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Transaction Type	Mortgage
Record Updated	Dec 5, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003221/123
Date	Jun 28, 2023
Book Page	3221/123
Instrument	202306280032

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Jul 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	PIONEER ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002889/509
Date	Jun 21, 2019
Book Page	2889/509

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONTARIO NY
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Transaction Type	Mortgage
Record Updated	Sep 21, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003066/133
Date	May 17, 2021
Book Page	3066/133
Instrument	202105170015

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jun 1, 2049

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONTARIO NY
Recording Date	Nov 9, 2022
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Document Number	001508/212
Book / Page	1508 / 212
Instrument Date	Oct 19, 2022
Instrument	202211090183
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 SOUTH ST, CLIFTON SPRINGS, NY 14432-1118

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONTARIO NY
Recording Date	Jun 25, 2019
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Document Number	001430/628
Book / Page	1430 / 628
Instrument Date	Jun 18, 2019
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002890110
Date	Jun 25, 2019
Instrument	2890/110

Lender

Name	GENERATIONS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	001430/628
Date	Jun 25, 2019
Book Page	1430/628

Lender

Name	GENERATIONS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

January 2017: Foreclosure

Document Type	Foreclosure
Jurisdiction	ONTARIO NY
Recording Date	Jan 4, 2017
Property Address	85 MAIN ST, PHELPS, NY 14532-1054
Document Number	0000001377/0000000168
Book / Page	0000001377 / 0000000168
Instrument Date	Dec 28, 2016
Transaction Type	Foreclosure
Record Updated	Sep 21, 2023
Title Company	NOT AVAILABLE, CHRISTI L MILLER

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 E BAYARD ST, SENECA FALLS, NY 13148-1623

Tax Assessment & Valuation

Source: Ontario County and Phelps Town assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	New York
County	Ontario County
County Subdivision	Phelps Town
Municipality	Phelps Village
Unified School District	Phelps-Clifton Springs Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,716.00 (+20.25%)
2025	$5,585.00	$178,500 (+23.1%) Land $9,000 Building $169,500	$247,900 (+40.18%) Land $12,499 Building $235,401
2023		$145,000 (+4.69%) Land $9,000 Building $136,000	$176,850 (+17.47%) Land $10,977 Building $165,873
2022		$138,500 Land $9,000 Building $129,500	$150,543 Land $9,783 Building $140,760

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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	PHELPS ROUTE 14 WD serves 400 people · EPA ID NY3430049
Water Source	Purchased surface water from WATERLOO VILLAGE
Last State Inspection	Oct 2024
Also Mapped Here	PHELPS VILLAGE
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CBN.

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