111 River St, Rochester, NY 14612 Property Records

Monroe County and Rochester City property record for 111 River St, Rochester, NY 14612

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,568 sqft · built 1905
Lot Size	0.195 acres (8,507 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Apr 2026)
Tax Bill	$1,830 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`085268-00.0`

Property Details

APN / Parcel Number

Primary APN	`085268-00.0`
Alternative APNs	`140004778000010540000000` `261400 047.78-1-54`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,568 sqft Living Area
1st Floor Area	1,092 sqft
2nd Floor Area	756 sqft
Upper Floors Area	720 sqft
Game Room	Game Room

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	8,507 sqft (0.195 acres)
Lot Dimensions	119 ft deep x 71.1 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	142 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085268-00.0
Street Address	111 RIVER ST
City	ROCHESTER
State	NY
Zip	14612-4715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0085.00 206 23 00000 PT 39 TOWN LOT
Legal Block	1
Legal Lot Number	54.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1003
Census Tract	8500

Owner

Source: Monroe County and Rochester City 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	Individual Name on Record
Mailing Address	111 RIVER ST, ROCHESTER, NY 14612-4715
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL TRUST COMPANY
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage CNB MORTGAGE
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage CNB MORTGAGE
Feb 4, 2020	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Mar 24, 2006 · Amount on Record
Deed Document Number	20263414222
Deed Book / Page	13189 / 91
Prior Transfer Date	Apr 22, 2026
Prior Transfer Doc	0003414222
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Apr 29, 2026
Property Address	111 RIVER ST, ROCHESTER, NY 14612-4715
Document Number	0003414224
Book / Page	31309 / 400
Instrument Date	Apr 27, 2026
Instrument	20263414224
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RIVER ST, ROCHESTER, NY 14612-4715

Mortgage

Document Number	0003414224,
Date	Apr 29, 2026
Book Page	31309/400
Instrument	20263414224

Lender

Name	NATIONAL TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.38%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Apr 29, 2026
Property Address	111 RIVER ST, ROCHESTER, NY 14612-4715
Document Number	0003414223
Book / Page	31309 / 374
Instrument Date	Apr 27, 2026
Instrument	20263414223
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RIVER ST, ROCHESTER, NY 14612-4715

Mortgage

Document Number	0003414223,
Date	Apr 29, 2026
Book Page	31309/374
Instrument	20263414223

Lender

Name	CNB MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Apr 29, 2026
Property Address	111 RIVER ST, ROCHESTER, NY 14612-4715
Document Number	0003414222
Book / Page	13189 / 91
Instrument Date	Apr 22, 2026
Instrument	20263414222
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	CSC DOCUMENT RECORDING

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$72,720.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RIVER ST, ROCHESTER, NY 14612-4715

Mortgage

Document Number	0000004223,
Date	Apr 29, 2026
Instrument	20264223

Lender

Name	CNB MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0003414224,
Date	Apr 29, 2026
Book Page	31309/400
Instrument	20263414224

Lender

Name	NATIONAL TRUST COMPANY

Agreement

Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	111 RIVER ST, ROCHESTER, NY 14612-4715
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000492
Date	Feb 4, 2020
Book Page	28379/353
Instrument	202002040492

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 19, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Monroe County and Rochester City assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
Municipality	Rochester City
Unified School District	Rochester City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,830.00 (+0.72%) Homeowner's exemption
2025	$1,817.00	$194,900 (+42.37%) Land $15,400 Building $179,500	$194,900 (+18.16%) Land $15,400 Building $179,500
2023		$136,900 Land $9,100 Building $127,800	$164,940 Land $10,964 Building $153,976

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 · 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 Claims	1 (1993)
Most Recent Claim	May 1993 · river or lake 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ROCHESTER CITY serves 210,000 people · EPA ID NY2704518
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	6 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 355 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	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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