971 Garden Ln, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 971 Garden Ln, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,800 sqft · built 1965
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$158,000 (Sep 2021)
Tax Bill	$6,020 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`265489 078.16-2-20`

Property Details

APN / Parcel Number

Primary APN	`265489 078.16-2-20`
Alternative APNs	`54890781600002020000` `02809960000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,800 sqft Living Area
1st Floor Area	1,224 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Game Room	Game Room

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Split Level
Exterior Material	Composition/Composite
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	200 ft deep x 97.7 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02809960000
Street Address	971 GARDEN LN
City	WEBSTER
State	NY
Zip	14580-2329
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FOREST MANOR SUBDIVISION
Legal Block	2
Legal Lot Number	20.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2010
Census Tract	11207

Owner

971 Garden Ln is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	971 GARDEN LN, WEBSTER, NY 14580-2329
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
Nov 18, 2021	Deed of Trust, Mortgage · Line of Credit ESL FCU
Sep 21, 2021	Warranty Deed, Transfer · FHA Mortgage GENESEE REGIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2021 · Amount on File
Deed Sale	Sep 21, 2021 · Amount on File
Prior Sale	Aug 31, 2012 · Amount on File
Deed Document Number	20211182
Deed Book / Page	12561 / 219
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	971 GARDEN LN, WEBSTER, NY 14580-2329
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000644
Date	Nov 18, 2021
Book Page	29592/17
Instrument	202111180644

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Sep 21, 2021
Property Address	971 GARDEN LN, WEBSTER, NY 14580-2329
Document Number	0000001182
Book / Page	12561 / 219
Map Reference	LB 169 PG 63
Instrument Date	Sep 20, 2021
Instrument	202109211182
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	NETWORK TITLE AGENCY/FL, NETWORK TITLE AGCY OF NY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$632.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	636 MARIS RUN, WEBSTER, NY 14580-9473

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	971 GARDEN LN, WEBSTER, NY 14580-2329

Mortgage

Document Number	0000001183
Date	Sep 21, 2021
Instrument	202109211183

Lender

Name	GENESEE REGIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 971 Garden Ln was $6,020, up 1.1% from the year before.

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
2026	$6,020.00 (+1.07%)
2025	$5,956.00	$121,900 Land $25,700 Building $96,200	$254,000 Land $53,550 Building $200,450
2023		$121,900 (-) Land $25,700 Building $96,200	$210,200 (+10.34%) Land $44,316 Building $165,884
2022		$121,900 Land $25,700 Building $96,200	$190,500 Land $40,163 Building $150,337
2021	$5,656.00

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

Flood

FEMA maps place 971 Garden Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 27, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 971 Garden Ln 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 94% of the US · lower than 93% 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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