120 Thurlow Ave, Rochester, NY 14609 Property Records

Monroe County and Irondequoit Town property record for 120 Thurlow Ave, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,147 sqft · built 1955
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,872 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Jul 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`263400 107.08-3-41`

Property Details

APN / Parcel Number

Primary APN	`263400 107.08-3-41`
Alternative APNs	`34001070800003041000` `02217110000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,147 sqft Living Area
1st Floor Area	1,221 sqft
2nd Floor Area	926 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	220 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	528 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	02217110000
Street Address	120 THURLOW AVE
City	ROCHESTER
State	NY
Zip	14609-5907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0006-13-07 WINTON VLG LR46 01
Legal Subdivision	WINTON VILLAGE
Legal Block	3
Legal Lot Number	41.000
Jurisdiction	MONROE NY
Township / Civil Division	IRONDEQUOIT
Census Block Group	1
Census Block	1002
Census Tract	11100

Owner

120 Thurlow Ave is owned and occupied by two individuals who acquired it in May 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	120 THURLOW AVE, ROCHESTER, NY 14609-5907
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
Mar 9, 2022	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Jul 9, 2021	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jun 7, 2019	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 20, 2002
Transfer Doc	9620000019
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	120 THURLOW AVE, ROCHESTER, NY 14609-5907
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 THURLOW AVE, ROCHESTER, NY 14609-5907

Mortgage

Document Number	0000000087
Date	Mar 9, 2022
Book Page	29779/101
Instrument	202203090087

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	ROCHESTER, NY 14609

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 8, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	120 THURLOW AVE, ROCHESTER, NY 14609-5907
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000108
Date	Jul 9, 2021
Book Page	29318/108
Instrument	202107091390

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 22, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	120 THURLOW AVE, ROCHESTER, NY 14609-5907
Document Number	0000000584
Instrument Date	Jun 7, 2019
Transaction Type	Mortgage
Record Updated	Jul 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 THURLOW AVE ROCHESTER NY 146095907, ROCHESTER, NY 14609-5907

Mortgage

Document Number	0000000584
Date	Jun 17, 2019
Book Page	028065/000079
Instrument	584

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604-2424

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jun 16, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 120 Thurlow Ave was $8,872, up 3.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Irondequoit Town
Unified School District	East Irondequoit Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,872.00 (+3.17%)
2025	$8,599.00	$217,000 Land $39,000 Building $178,000	$258,300 Land $46,423 Building $211,877
2023		$217,000 (+37.52%) Land $39,000 Building $178,000	$217,000 (+7.27%) Land $39,000 Building $178,000
2022		$157,800 Land $34,100 Building $123,700	$202,300 Land $43,716 Building $158,584
2021	$7,206.00

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

Flood

FEMA maps place 120 Thurlow Ave 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 120 Thurlow Ave 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 95% of the US · lower than 94% 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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Empire Long Distance, Frontier.

Nearby Properties on Thurlow Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures