174 River St, Rochester, NY 14612 Property Records

Monroe County and Rochester City property record for 174 River St, Rochester, NY 14612

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,298 sqft · built 1850
Owner	Individual Name on File
Tax Bill	$1,941 (2024)
Deeds & Mortgages	Oct 2025 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`085323-01.0`

Property Details

APN / Parcel Number

Primary APN	`085323-01.0`
Alternative APNs	`140004778000010230030000` `261400 047.78-1-23.003`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,298 sqft Total Area
1st Floor Area	1,173 sqft
2nd Floor Area	1,125 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Dimensions	134 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	196 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085323-01.0
Street Address	174 RIVER ST
City	ROCHESTER
State	NY
Zip	14612-4734
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	11
Legal Subdivision	VILLAGE OF CHARLOTTE
Legal Block	1
Legal Lot Number	23.003
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	174 RIVER ST, ROCHESTER, NY 14612-4734
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Line of Credit THE CANANDAIGUA NATIONAL BANK & TRUST CO
Aug 12, 2021	Warranty Deed, Transfer · Seller Carry-Back ANDREW CARDOT ETAL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	174 RIVER ST, ROCHESTER, NY 14612-4734
Transaction Type	Mortgage
Record Updated	Dec 8, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 RIVER ST, ROCHESTER, NY 14612-4734

Mortgage

Document Number	202503348600
Date	Oct 28, 2025
Book Page	31174/538
Instrument	202503348600

Lender

Name	THE CANANDAIGUA NATIONAL BANK & TRUST CO
Type	Bank
Address	CANANDAIGUA, NY 14424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Aug 12, 2021
Property Address	174 RIVER ST, ROCHESTER, NY 14612-4734
Document Number	0000000585
Book / Page	12543 / 151
Map Reference	LB 11 PG 71
Instrument Date	Aug 3, 2021
Instrument	202108120585
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	NETWORK TITLE AGENCY/FL, NETWORK TITLE AGCY OF NY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$522.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	279 FETZNER RD, 279, ROCHESTER, NY 14626-2245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 RIVER ST, ROCHESTER, NY 14612-4734

Mortgage

Document Number	0000000584
Date	Aug 12, 2021
Instrument	202108120584

Lender

Name	ANDREW CARDOT ETAL
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	73 Months
Due	Sep 1, 2027

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		$207,300 (+72.89%) Land $15,200 Building $192,100	$207,300 (+43.5%) Land $15,200 Building $192,100
2024	$1,941.00
2023		$119,900 Land $8,700 Building $111,200	$144,458 Land $10,482 Building $133,976

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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