128 Middlesex Rd, Rochester, NY 14610 Property Records

Monroe County and Rochester City property record for 128 Middlesex Rd, Rochester, NY 14610

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,086 sqft · built 1910
Lot Size	0.091 acres (4,000 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jun 2022)
Tax Bill	$1,687 (2026)
Deeds & Mortgages	Jun 2022 Second Mortgage Jun 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`071280-00.0`

Property Details

APN / Parcel Number

Primary APN	`071280-00.0`
Alternative APNs	`140012232000020310000000` `261400 122.32-2-31`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,086 sqft Living Area
1st Floor Area	621 sqft
Upper Floors Area	465 sqft
Game Room	Game Room

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	071280-00.0
Street Address	128 MIDDLESEX RD
City	ROCHESTER
State	NY
Zip	14610-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0077.00 304 21 00000 7 P J COGSWELL SUBN
Legal Subdivision	PIERCE J COGSWELL SUB
Legal Block	2
Legal Lot Number	31.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3002
Census Tract	7700

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	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GENESEE REGIONAL BANK
Jun 2, 2022	Warranty Deed, Transfer · Conventional Mortgage GENESEE REGIONAL BANK
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Nov 29, 2017	Deed, Transfer · Conventional Mortgage ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Nov 29, 2017 · Amount on Record
Deed Document Number	20221198
Deed Book / Page	12671 / 105
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Transaction Type	Mortgage
Record Updated	Jul 5, 2022
Title Company	CROSSROADS ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 MERRIMAN ST, ROCHESTER, NY 14607-1524

Mortgage

Document Number	0000001200
Date	Jun 2, 2022
Book Page	29911/185
Instrument	202206021200

Lender

Name	GENESEE REGIONAL BANK
Type	Bank
Address	ROCHESTER, NY 14618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 2, 2022
Property Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Document Number	0000001198
Book / Page	12671 / 105
Map Reference	LB 16 PG 30
Instrument Date	May 24, 2022
Instrument	202206021198
Transaction Type	Transfer
Record Updated	Jul 4, 2022
Title Company	CROSSROADS ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 MIDDLESEX RD, 128, ROCHESTER, NY 14610-1127

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127

Mortgage

Document Number	0000001199
Date	Jun 2, 2022
Book Page	29911/173
Instrument	202206021199

Lender

Name	GENESEE REGIONAL BANK
Type	Bank
Address	ROCHESTER, NY 14618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	CHICAGO TITLE ROCHESTER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127

Mortgage

Document Number	0000000882
Date	Mar 25, 2021
Book Page	29109/150
Instrument	202103250882

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	2.87%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	CHICAGO TITLE ROCHESTER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127

Mortgage

Document Number	0000000881
Date	Mar 25, 2021
Book Page	29109/138
Instrument	202103250881

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

November 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE NY
Recording Date	Nov 29, 2017
Property Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127
Document Number	0000000115
Book / Page	11953 / 331
Map Reference	LB 16 PG 30
Instrument Date	Oct 19, 2017
Instrument	201711290115
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$448.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 MIDDLESEX RD, ROCHESTER, NY 14610-1127

Mortgage

Document Number	0000000116
Date	Nov 29, 2017
Book Page	27414/698
Instrument	201711290116

Lender

Name	ESL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2047

Interest

Rate Type	Fixed Rate

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	$1,687.00 (-8.46%)
2025	$1,843.00	$201,000 (+70.34%) Land $8,600 Building $192,400	$201,000 (+41.38%) Land $8,600 Building $192,400
2023		$118,000 Land $7,200 Building $110,800	$142,169 Land $8,675 Building $133,494

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 299 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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