974 Garden Ln, Webster, NY 14580 Property Records

Monroe County and Webster Town property record for 974 Garden Ln, Webster, NY 14580

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,016 sqft · built 1966
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$241,300 (Sep 2021)
Tax Bill	$6,438 (2026)
Deeds & Mortgages	Sep 2023 Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`265489 078.16-2-39`

Property Details

APN / Parcel Number

Primary APN	`265489 078.16-2-39`
Alternative APNs	`54890781600002039000` `02809892000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,016 sqft Living Area
1st Floor Area	1,008 sqft
2nd Floor Area	1,008 sqft
Game Room	Game Room

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	99.7 ft deep x 153 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02809892000
Street Address	974 GARDEN LN
City	WEBSTER
State	NY
Zip	14580-2333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0060-13-04 FOREST MANR 2 L196 0169063
Legal Subdivision	FOREST MANOR SUBDIVISION
Legal Block	2
Legal Lot Number	39.000
Jurisdiction	MONROE NY
Township / Civil Division	WEBSTER
Census Block Group	2
Census Block	2011
Census Tract	11207

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	974 GARDEN LN, WEBSTER, NY 14580-2333
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 3, 2021	Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP
May 5, 2020	Deed of Trust, Mortgage · Line of Credit FAMILY FIRST NY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2021 · Amount on Record
Deed Sale	Sep 3, 2021 · Amount on Record
Deed Document Number	2021253
Deed Book / Page	12553 / 349
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	974 GARDEN LN, WEBSTER, NY 14580-2333
Transaction Type	Mortgage
Record Updated	Oct 18, 2023
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 GARDEN LN, WEBSTER, NY 14580-2333

Mortgage

Document Number	0000000930
Date	Sep 25, 2023
Book Page	30445/348
Instrument	202309250930

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Oct 1, 2051

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Sep 3, 2021
Property Address	974 GARDEN LN, WEBSTER, NY 14580-2333
Document Number	0000000349
Book / Page	12553 / 349
Map Reference	LB 169 PG 63
Instrument Date	Aug 10, 2021
Instrument	202109030253
Transaction Type	Transfer
Record Updated	Oct 4, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$966.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	974 GARDEN LN, 974, WEBSTER, NY 14580-2333

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	974 GARDEN LN, WEBSTER, NY 14580-2333

Mortgage

Document Number	202109030254
Date	Sep 3, 2021
Instrument	202109030254

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	974 GARDEN LN, WEBSTER, NY 14580-2333
Document Number	0000000354
Instrument Date	May 5, 2020
Transaction Type	Mortgage
Record Updated	Jun 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 GARDEN LN WEBSTER NY 145802333, WEBSTER, NY 14580-2333

Mortgage

Document Number	0000000354
Date	May 12, 2020
Book Page	028508/000176
Instrument	354

Lender

Name	FAMILY FIRST NY FCU
Address	ROCHESTER, NY 14625

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 11, 2050

Interest

Rate Type	Adjustable Rate

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
2026	$6,438.00 (+1.08%)
2025	$6,369.00 (+277.76%)	$130,800 (-) Land $25,500 Building $105,300	$272,500 (+20.84%) Land $53,125 Building $219,375
2023		$130,800 (-) Land $25,500 Building $105,300	$225,500 (+10.32%) Land $43,962 Building $181,538
2022		$130,800 Land $25,500 Building $105,300	$204,400 Land $39,849 Building $164,551
2021	$1,686.00

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

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

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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