Monroe County and Penfield Town property record for 1045 Penfield Rd, Rochester, NY 14625
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,205 sqft · built 1951 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,975 (2026) |
| Deeds & Mortgages | Jun 2021 Line of Credit Sep 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 264200 123.19-1-37 |
| Primary APN | 264200 123.19-1-37 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,205 sqft Living Area |
| 1st Floor Area | 1,205 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 150 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 418 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 210 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00212490000 |
|---|---|
| Street Address | 1045 PENFIELD RD |
| City | ROCHESTER |
| State | NY |
| Zip | 14625-2139 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-20 |
| Legal Description | 0072-13-04 BURROWS 4 L9 01 |
| Legal Subdivision | THE BURROWS FARM |
| Legal Block | 1 |
| Legal Lot Number | 37.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | PENFIELD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 11604 |
1045 Penfield Rd is owned and occupied by an individual.
Source: Monroe County and Penfield Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1045 PENFIELD RD, ROCHESTER, NY 14625-2139 |
| 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.
| Date | Document |
|---|---|
| Jun 25, 2021 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Sep 1, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK NA |
| Nov 20, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 1045 PENFIELD RD, ROCHESTER, NY 14625-2139 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 1045 PENFIELD RD, ROCHESTER, NY 14625-2139 |
| Document Number | 0000000001 |
|---|---|
| Date | Jun 25, 2021 |
| Book Page | 29289/1 |
| Instrument | 202106250013 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | JOHNSTON, RI 02919 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jun 3, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 1045 PENFIELD RD, ROCHESTER, NY 14625-2139 |
| Document Number | 0000000030 |
| Instrument Date | Sep 1, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2018 |
| Title Company | EQUITY NATIONAL TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 1045 PENFIELD RD ROCHESTER NY 146252139, ROCHESTER, NY 14625-2139 |
| Document Number | 0000000030 |
|---|---|
| Date | Sep 26, 2018 |
| Book Page | 027774/000689 |
| Instrument | 30 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Sep 25, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 1045 PENFIELD RD, ROCHESTER, NY 14625-2139 |
| Document Number | 0000000933 |
| Book / Page | 027411 / 000307 |
| Instrument Date | Nov 20, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1045 PENFIELD RD ROCHESTER NY 146252139, ROCHESTER, NY 14625-2139 |
| Document Number | 0000000933 |
|---|---|
| Date | Nov 27, 2017 |
| Book Page | 027411/000307 |
| Instrument | 933 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 26, 2032 |
The 2026 property tax bill for 1045 Penfield Rd was $4,975 with exemptions applied, up 34.6% from the year before.
Source: Monroe County and Penfield Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| County Subdivision | Penfield Town |
| Unified School District | Penfield Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,975.00 (+34.6%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,696.00 | $168,800 Land $62,300 Building $106,500 | $225,100 Land $83,079 Building $142,021 |
| 2023 | $168,800 (-) Land $62,300 Building $106,500 | $179,600 (+6.4%) Land $66,286 Building $113,314 | |
| 2022 | $168,800 Land $62,300 Building $106,500 | $168,800 Land $62,300 Building $106,500 | |
| 2021 | $3,085.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 Penfield Rd in Zone X, an area of minimal flood risk.
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 | 6 in force |
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 risk around 1045 Penfield Rd 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 98% of the US · lower than 97.9% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures