Monroe County and Rochester City property record for 185 Rustic St, Rochester, NY 14609
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1953 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $27,400 (Dec 1998) |
| Tax Bill | $652 (2026) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080147-00.0 |
| Primary APN | 080147-00.0 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 768 sqft |
| Upper Floors Area | 384 sqft |
| Game Room | Game Room |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 40 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 080147-00.0 |
|---|---|
| Street Address | 185 RUSTIC ST |
| City | ROCHESTER |
| State | NY |
| Zip | 14609-3511 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 11 |
| Legal Description | 0084.00 105 22 00000 62 FERNWOOD HGTS SUB |
| Legal Block | 3 |
| Legal Lot Number | 36.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | ROCHESTER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 8400 |
185 Rustic St is owned and occupied by two individuals who bought it in December 1998.
Source: Monroe County and Rochester City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 RUSTIC ST, ROCHESTER, NY 14609-3511 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEW YORK STATE HOUSING FINANCE AGENCY |
| Apr 25, 2023 | Deed of Trust, Mortgage HOUSING TRUST FUND CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 1998 · Amount on File |
| Deed Sale | Dec 17, 1998 · Amount on File |
| Prior Sale | Sep 14, 1998 · Amount on File |
| Deed Book / Page | 9101 / 392 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 185 RUSTIC ST, ROCHESTER, NY 14609-3511 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 185 RUSTIC ST, ROCHESTER, NY 14609-3511 |
| Document Number | 0000000059 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 30270/546 |
| Instrument | 202304250059 |
| Name | NEW YORK STATE HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | NEW YORK, NY 10022 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 185 RUSTIC ST, ROCHESTER, NY 14609-3511 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Name | Verified Name |
|---|---|
| Address | 185 RUSTIC ST, ROCHESTER, NY 14609-3511 |
| Document Number | 0000000058 |
|---|---|
| Date | Apr 25, 2023 |
| Book Page | 30270/533 |
| Instrument | 202304250058 |
| Name | HOUSING TRUST FUND CORPORATION |
|---|---|
| Type | Non-Lending Institution |
| Address | ALBANY, NY 12207 |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 185 Rustic St was $652 with exemptions applied, down 1.8% from the year before.
Source: Monroe County and Rochester City assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| Municipality | Rochester City |
| Unified School District | Rochester City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $652.00 (-1.81%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $664.00 | $125,100 Land $9,100 Building $116,000 | $125,100 Land $9,100 Building $116,000 |
| 2023 | $53,300 Land $5,900 Building $47,400 | $64,217 Land $7,108 Building $57,109 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 185 Rustic 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.
The area around 185 Rustic 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 877 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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