18 Echo St, Rochester, NY 14609 Property Records

Monroe County and Irondequoit Town property record for 18 Echo St, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,149 sqft · built 1963
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Jan 2012)
Tax Bill	$5,547 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`263400 092.09-2-50`

Property Details

APN / Parcel Number

Primary APN	`263400 092.09-2-50`
Alternative APNs	`34000920900002050000` `04892400000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,149 sqft Living Area
1st Floor Area	1,149 sqft
Game Room	Game Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	04892400000
Street Address	18 ECHO ST
City	ROCHESTER
State	NY
Zip	14609-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0040-14-07 ECHO HILL L11 01
Legal Block	2
Legal Lot Number	50.000
Jurisdiction	MONROE NY
Township / Civil Division	IRONDEQUOIT
Census Block Group	3
Census Block	3015
Census Tract	10901

Owner

18 Echo St is owned and occupied by an individual who bought it in January 2012.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	18 ECHO ST, ROCHESTER, NY 14609-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FEDERAL CREDIT UNION
Jul 7, 2017	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2012 · Amount on File
Deed Sale	Jan 17, 2012 · Amount on File
Deed Document Number	2012699
Deed Book / Page	11082 / 188
Prior Transfer Date	Jan 16, 2012
Prior Transfer Doc	0000000699
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Jun 23, 2026
Property Address	18 ECHO ST, ROCHESTER, NY 14609-1449
Document Number	0003435109
Book / Page	31354 / 469
Instrument Date	Jun 17, 2026
Instrument	20263435109
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ECHO ST, ROCHESTER, NY 14609-1449

Mortgage

Document Number	0003435109,
Date	Jun 23, 2026
Book Page	31354/469
Instrument	20263435109

Lender

Name	SUMMIT FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	18 ECHO ST, ROCHESTER, NY 14609-1449
Document Number	0000000339
Book / Page	027239 / 000381
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 ECHO ST ROCHESTER NY 146091449, ROCHESTER, NY 14609-1449

Mortgage

Document Number	0000000339
Date	Jul 24, 2017
Book Page	027239/000381
Instrument	339

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 23, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 18 Echo St was $5,547 with exemptions applied, up 61.7% 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	$5,547.00 (+61.72%) Homeowner's exemption Senior Citizen's exemption
2025	$3,430.00	$150,000 Land $25,000 Building $125,000	$178,600 Land $29,767 Building $148,833
2023		$150,000 (+64.47%) Land $25,000 Building $125,000	$150,000 (+28.31%) Land $25,000 Building $125,000
2022		$91,200 Land $23,200 Building $68,000	$116,900 Land $29,738 Building $87,162
2021	$3,042.00

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

Flood

FEMA maps place 18 Echo St in Zone X, an area of minimal flood risk.

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

The area around 18 Echo 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	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 662 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
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.

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