125 E Main St, Rochester, NY 14604 Property Records

Monroe County and Rochester City property record for 125 E Main St, Rochester, NY 14604

Property Summary

Property Type	Hotel
Details	273,900 sqft · built 1990
Lot Size	0.75 acres (32,670 sqft)
Owner	Company Name on File
Tax Bill	$136,837 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`002400-01.1`

Property Details

APN / Parcel Number

Primary APN	`002400-01.1`
Alternative APNs	`140012123000020500010000` `261400 121.23-2-50.001`

Interior

Stories	27 Stories
Building Area	273,900 sqft Gross Area
Basement Area	15,600 sqft
Finished Basement	15,600 sqft
Fire Sprinklers	Fire Sprinklers
Elevator	Elevator

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	206 ft deep x 206 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	002400-01.1
Street Address	125 E MAIN ST
City	ROCHESTER
State	NY
Zip	14604-1605
Property Category	Commercial
Property Type	Commercial > Retail > Hotel
Legal Block	2
Legal Lot Number	50.001
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1015
Census Tract	9402

Owner

125 E Main St, a commercial property, is owned by a company.

Source: Monroe County and Rochester City records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	125 E MAIN ST, ROCHESTER, NY 14604-1605
Owner Type	Company
Vesting	Company

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
Aug 2, 2023	Deed of Trust, Mortgage · Commercial Mortgage FIVE STAR BANK
Sep 15, 2022	Deed of Trust, Mortgage · Construction Mortgage DELPHI CRE FUNDING LLC
Jun 15, 2020	Loan Modification, Mortgage DELPHI CRE FNDG
Aug 21, 2017	Loan Modification, Mortgage DELPHI CRE FNDG

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	125 E MAIN ST, ROCHESTER, NY 14604-1605
Transaction Type	Mortgage
Record Updated	Aug 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	64 COMMERCIAL ST, ROCHESTER, NY 14614-1037

Mortgage

Document Number	0000001506
Date	Aug 2, 2023
Book Page	30384/200
Instrument	202308021506

Lender

Name	FIVE STAR BANK
Type	Bank
Address	WARSAW, NY 14569

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	125 E MAIN ST, ROCHESTER, NY 14604-1605
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000166
Date	Sep 15, 2022
Book Page	20915/166
Instrument	202209150166

Lender

Name	DELPHI CRE FUNDING LLC
Type	Non-Lending Institution
Address	ROCHESTER, NY 14604

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	11 Months
Due	Aug 1, 2023

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	125 E MAIN ST, ROCHESTER, NY 14604-1605
Document Number	0000000410
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	125 E MAIN ST ROCHESTER NY 146041605, ROCHESTER, NY 14604-1605

Mortgage

Document Number	0000000410
Date	Jun 25, 2020
Instrument	410

Lender

Name	DELPHI CRE FNDG

Agreement

Amount	Amount on Record
Term	12 Months
Due	Jun 24, 2021

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Recording Date	Aug 21, 2017
Property Address	125 E MAIN ST, ROCHESTER, NY 14604-1605
Instrument Date	Jul 18, 2017
Instrument	494
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	125 E MAIN ST ROCHESTER NY 146041605, ROCHESTER, NY 14604-1605

Mortgage

Document Number	0000000494
Date	Aug 21, 2017
Instrument	494

Lender

Name	DELPHI CRE FNDG

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 125 E Main St was $136,837, down 33.4% from the year before.

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	$136,837.00 (-33.38%)
2025	$205,403.00	$12,000,000 Land $1,612,000 Building $10,388,000	$12,000,000 Land $1,612,000 Building $10,388,000
2023		$12,745,000 Land $1,612,000 Building $11,133,000	$15,355,422 Land $1,942,169 Building $13,413,253

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

Flood

FEMA maps place 125 E Main St 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Nearby Flood Policies	1 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

The area around 125 E Main St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: Frontier, Greenlight Networks.

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