92 Chambers St, Spencerport, NY 14559 Property Records

Monroe County and Ogden Town property record for 92 Chambers St, Spencerport, NY 14559

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,256 sqft · built 2018
Lot Size	1.19 acres (51,836 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,718 (2026)
Deeds & Mortgages	Feb 2020 Mortgage Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`263889 101.04-2-18.13`

Property Details

APN / Parcel Number

Primary APN	`263889 101.04-2-18.13`
Alternative APNs	`38891010400002018130` `02184000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,256 sqft Living Area
1st Floor Area	2,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	51,836 sqft (1.19 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	372 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02184000000
Street Address	92 CHAMBERS ST
City	SPENCERPORT
State	NY
Zip	14559-9795
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Subdivision	MARSEGLIA RESUB
Legal Block	2
Legal Lot Number	18.130
Jurisdiction	MONROE NY
Township / Civil Division	OGDEN
Census Block Group	1
Census Block	1000
Census Tract	14903

Owner

92 Chambers St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
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
Feb 24, 2020	Deed of Trust, Mortgage · Conventional with PMI FIVE STAR BK
Feb 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Feb 21, 2019	Loan Modification, Mortgage PRIMELENDING
Oct 16, 2018	Trustee's Deed, Construction Loan · Construction Mortgage NORMANDY CORP
Jul 19, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Document Number	0000000914
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CHAMBERS ST SPENCERPORT NY 145599795, SPENCERPORT, NY 14559-9795

Mortgage

Document Number	0000000914
Date	Mar 2, 2020
Book Page	028410/000221
Instrument	914

Lender

Name	FIVE STAR BK
Type	Bank
Address	WARSAW, NY 14569

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Document Number	0000003259
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 BEAMAN RD ROCHESTER NY 146242034, ROCHESTER, NY 14624-2034

Mortgage

Document Number	0000003259
Date	Feb 25, 2019
Book Page	027934/000315
Instrument	3259

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Document Number	0000003260
Instrument Date	Feb 21, 2019
Transaction Type	Mortgage
Record Updated	Apr 1, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 BEAMAN RD ROCHESTER NY 146242034, ROCHESTER, NY 14624-2034

Mortgage

Document Number	0000003260
Date	Feb 25, 2019
Book Page	027934/000334
Instrument	3260

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 24, 2049

Interest

Rate Type	Fixed Rate
Rate	5.37%

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE NY
Recording Date	Oct 16, 2018
Property Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Book / Page	027799 / 000069
Instrument Date	Oct 15, 2018
Instrument	683
Transaction Type	Construction Loan
Record Updated	Nov 1, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 BONESET TRL NORTH CHILI NY 145149620, NORTH CHILI, NY 14514-9620

Mortgage

Document Number	0000000683
Date	Oct 16, 2018
Book Page	027799/000069
Instrument	683

Lender

Name	NORMANDY CORP
Address	ROCHESTER, NY 14607

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Oct 15, 2019

Interest

Rate Type	Adjustable Rate

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jul 19, 2018
Property Address	92 CHAMBERS ST, SPENCERPORT, NY 14559-9795
Document Number	0000000265
Book / Page	012055 / 000221
Instrument Date	Jun 26, 2018
Instrument	265
Transaction Type	Transfer
Record Updated	Aug 7, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	54 BEAMAN RD ROCHESTER NY 146242034, ROCHESTER, NY 14624-2034

Tax Assessment & Valuation

The 2026 property tax bill for 92 Chambers St was $11,718, down 2.3% 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	Spencerport Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,718.00 (-2.28%)
2025	$11,991.00	$450,000 Land $32,900 Building $417,100	$454,500 Land $33,229 Building $421,271
2023		$260,000 (-) Land $32,800 Building $227,200	$376,800 (+18.83%) Land $47,535 Building $329,265
2022		$260,000 Land $32,800 Building $227,200	$317,100 Land $40,003 Building $277,097
2021	$10,195.00

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

Flood

FEMA maps place 92 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 92 Chambers St is low, with less than 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 24 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

May also be available: Verizon.

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