146 River St, Rochester, NY 14612 Property Records

Monroe County and Rochester City property record for 146 River St, Rochester, NY 14612

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,816 sqft · built 1910
Lot Size	0.141 acres (6,124 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Oct 2022)
Tax Bill	$1,411 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Aug 2021 Foreclosure + 2 more
Flood Zone	Zone X (minimal risk)
APN	`085326-00.0`

Property Details

APN / Parcel Number

Primary APN	`085326-00.0`
Alternative APNs	`140004778000010190000000` `261400 047.78-1-19`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,816 sqft Living Area
1st Floor Area	957 sqft
2nd Floor Area	859 sqft
Game Room	Game Room

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,124 sqft (0.141 acres)
Lot Dimensions	165 ft deep x 37.1 ft wide
Porch	Enclosed Porch
Porch Area	254 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085326-00.0
Street Address	146 RIVER ST
City	ROCHESTER
State	NY
Zip	14612-4734
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0085.00 203 23 00000 PT 39 TOWN LOT
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1012
Census Tract	8500

Owner

Source: Monroe County and Rochester City assessment roll, as of March 30, 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 File
Mailing Address	146 RIVER ST, ROCHESTER, NY 14612-4734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2022	Warranty Deed, Transfer · Conventional Mortgage FAMILY FIRST OF NY FCU
Aug 6, 2021	Referee's Deed, Foreclosure STEWART TITLE, STEWART TITLE INS CO UPSTATE
Sep 26, 2000	Deed of Trust, Mortgage · Conventional Mortgage CHARTER ONE BK
Sep 26, 2000	Deed of Trust, Mortgage · Conventional Mortgage CHARTER ONE BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Prior Sale	Aug 6, 2021 · Amount on Record
Deed Document Number	2022619
Deed Book / Page	12739 / 451
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 31, 2022
Property Address	146 RIVER ST, ROCHESTER, NY 14612-4734
Document Number	0000000619
Book / Page	12739 / 451
Instrument Date	Oct 26, 2022
Instrument	202210310619
Transaction Type	Transfer
Record Updated	Nov 16, 2022
Title Company	STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 STARBOARD SIDE LN, 700, WEBSTER, NY 14580-2287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 RIVER ST, ROCHESTER, NY 14612-4734

Mortgage

Document Number	0000000620
Date	Oct 31, 2022
Instrument	202210310620

Lender

Name	FAMILY FIRST OF NY FCU
Type	Credit Union

Agreement

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

Mortgage

Document Number	0000000621
Date	Oct 31, 2022
Book Page	30113/467
Instrument	202210310621

Lender

Name	FAMILY FIRST OF NY FCU
Type	Credit Union
Address	ROCHESTER, NY 14625

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2021: Referee's Deed, Foreclosure

Document Type	Referee's Deed
Jurisdiction	MONROE NY
Recording Date	Aug 6, 2021
Property Address	146 RIVER ST, ROCHESTER, NY 14612-4734
Document Number	0000000742
Book / Page	12540 / 602
Instrument Date	Jul 22, 2021
Instrument	202108060742
Transaction Type	Foreclosure
Record Updated	May 5, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transaction

Amount	Amount Recorded
Tax	$168.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	700 STARBOARD SIDE LN, 700, WEBSTER, NY 14580-2287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 STARBOARD SIDE LN, WEBSTER, NY 14580-2287

September 2000: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	146 RIVER ST, ROCHESTER, NY 14612-4734
Document Number	0000001621
Instrument Date	Sep 26, 2000
Transaction Type	Mortgage
Record Updated	Oct 7, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 RIVER ST ROCHESTER NY 146124734, ROCHESTER, NY 14612-4734

Mortgage

Document Number	0000001621
Date	Aug 9, 2019
Instrument	1621

Lender

Name	CHARTER ONE BK
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 8, 2029

September 2000: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	146 RIVER ST, ROCHESTER, NY 14612-4734
Document Number	0000000744
Instrument Date	Sep 26, 2000
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 RIVER ST ROCHESTER NY 146124734, ROCHESTER, NY 14612-4734

Mortgage

Document Number	0000000744
Date	Jan 27, 2020
Instrument	744

Lender

Name	CHARTER ONE BK
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 26, 2030

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
2025	$1,411.00	$160,000 (+33.33%) Land $13,400 Building $146,600	$160,000 (+10.67%) Land $13,400 Building $146,600
2023		$120,000 Land $8,200 Building $111,800	$144,578 Land $9,879 Building $134,699

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

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 Holding Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Frontier.

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