1196 Clover St, Rochester, NY 14610 Property Records

Monroe County and Brighton Town property record for 1196 Clover St, Rochester, NY 14610

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,720 sqft · built 1910
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Trust Names on File
Last Sale	$1,100,000 (Nov 2022)
Tax Bill	$36,895 (2026)
Deeds & Mortgages	Jun 2026 Transfer Nov 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`262000 137.08-1-38`

Property Details

APN / Parcel Number

Primary APN	`262000 137.08-1-38`
Alternative APN	`02425000000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	3 Half Baths
Stories	2 Stories
Building Area	4,720 sqft Living Area
1st Floor Area	1,775 sqft
2nd Floor Area	2,058 sqft
Upper Floors Area	710 sqft
Attic	Attic
Attic Area	887 sqft
Basement Area	800 sqft
Finished Basement	800 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	47,916 sqft (1.1 acres)
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	249 sqft
Patio Area	471 sqft
Tennis Court	Tennis Court

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02425000000
Street Address	1196 CLOVER ST
City	ROCHESTER
State	NY
Zip	14610-3368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0005-13-07 HOYT L11,PT10 00
Legal Block	1
Legal Lot Number	38.000
Jurisdiction	MONROE NY
Township / Civil Division	BRIGHTON
Census Block Group	3
Census Block	3008
Census Tract	12600

Owner

1196 Clover St is owner-occupied and held in a trust since November 2022.

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

Owner of Record	2 Trust Names on File
Mailing Address	1196 CLOVER ST, ROCHESTER, NY 14610-3368
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 12, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Nov 9, 2022	Administrator's Deed, Transfer · Conventional Mortgage CNB MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2022 · Amount on File
Deed Sale	Nov 9, 2022 · Amount on File
Prior Sale	Aug 3, 2006 · Amount on File
Deed Document Number	20221758
Deed Book / Page	12743 / 483
Prior Transfer Date	Oct 31, 2022
Prior Transfer Doc	0000001758
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE NY
Recording Date	Jun 12, 2026
Property Address	1196 CLOVER ST, ROCHESTER, NY 14610-3368
Document Number	0003431507
Book / Page	13202 / 389
Instrument Date	Jun 5, 2026
Instrument	20263431507
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1196 CLOVER ST, ROCHESTER, NY 14610-3368

November 2022: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	MONROE NY
Recording Date	Nov 9, 2022
Property Address	1196 CLOVER ST, ROCHESTER, NY 14610-3368
Document Number	0000001758
Book / Page	12743 / 483
Map Reference	LB 16 PG 34
Instrument Date	Oct 31, 2022
Instrument	202211091758
Transaction Type	Transfer
Record Updated	Nov 29, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,400.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7878 E GAINEY ROAD #3131, 7878, SCOTTSDALE, AZ 85258

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1196 CLOVER ST, ROCHESTER, NY 14610-3368

Mortgage

Document Number	0000001759
Date	Nov 9, 2022
Instrument	202211091759

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 1196 Clover St was $36,895, up 3.6% from the year before.

Source: Monroe County and Brighton Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Brighton Town
Unified School District	Brighton Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$36,895.00 (+3.56%)
2025	$35,627.00	$763,300 Land $102,600 Building $660,700	$1,293,700 Land $173,894 Building $1,119,806
2023		$763,300 (+16.36%) Land $102,600 Building $660,700	$1,090,400 (+47.93%) Land $146,568 Building $943,832
2022		$656,000 Land $102,600 Building $553,400	$737,100 Land $115,284 Building $621,816
2021	$46,124.00

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

Flood

FEMA maps place 1196 Clover St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims	1 (1978)
Most Recent Claim	Mar 1978 · tidal / storm surge

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 1196 Clover 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 94% of the US · lower than 93% 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	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 268 locations within half a mile, as of December 31, 2025

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

May also be available: Frontier, Greenlight Networks.

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