188 River St, Rochester, NY 14612 Property Records

Monroe County and Rochester City property record for 188 River St, Rochester, NY 14612

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,409 sqft · built 1890
Lot Size	0.269 acres (11,737 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Feb 2019)
Tax Bill	$1,286 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`085322-00.0`

Property Details

APN / Parcel Number

Primary APN	`085322-00.0`
Alternative APNs	`140004778000010260000000` `261400 047.78-1-26`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,409 sqft Total Area
1st Floor Area	914 sqft
Upper Floors Area	495 sqft
Game Room	Game Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,737 sqft (0.269 acres)
Lot Dimensions	229 ft deep x 51.1 ft wide
Porch	Porch
Porch Area	134 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085322-00.0
Street Address	188 RIVER ST
City	ROCHESTER
State	NY
Zip	14612-4736
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	11
Legal Description	0085.00 204 23 00242 PT 37 TOWN LOT
Legal Subdivision	THIRD DIVISION
Legal Block	1
Legal Lot Number	26.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1007
Census Tract	8500

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	69 WALZFORD RD, ROCHESTER, NY 14622-2259
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2025	Deed of Trust, Mortgage · Line of Credit ESL FCU
Mar 24, 2022	Deed of Trust, Mortgage JOHN STENSRUD
Sep 23, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Feb 12, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2019 · Amount on Record
Deed Sale	Feb 12, 2019 · Amount on Record
Prior Sale	Jul 18, 2012 · Amount on Record
Deed Document Number	20192288
Deed Book / Page	12146 / 560
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	188 RIVER ST, ROCHESTER, NY 14612-4736
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY CO UPST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RIVER ST, ROCHESTER, NY 14612-4736

Mortgage

Document Number	202503353111
Date	Nov 10, 2025
Book Page	31186/182
Instrument	202503353111

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	188 RIVER ST, ROCHESTER, NY 14612-4736
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	CROSSROADS ABSTRACT INC, CROSSROADS ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RIVER ST, ROCHESTER, NY 14612-4736

Mortgage

Document Number	0000000108
Date	Mar 24, 2022
Book Page	29802/280
Instrument	202203240108

Lender

Name	JOHN STENSRUD
Type	Private Party
Address	506 INDIAN WELLS CT, MURRELLS INLET, SC 29576

Agreement

Amount	Amount Recorded

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	188 RIVER ST, ROCHESTER, NY 14612-4736
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 RIVER ST, ROCHESTER, NY 14612-4736

Mortgage

Document Number	0000000105
Date	Sep 23, 2021
Book Page	29471/388
Instrument	202109230105

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	CORSICANA, TX 75109

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Feb 12, 2019
Property Address	188 RIVER ST, ROCHESTER, NY 14612-4736
Document Number	0000002288
Book / Page	012146 / 000560
Instrument Date	Feb 11, 2019
Instrument	2288
Transaction Type	Transfer
Record Updated	Mar 8, 2019

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$312.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69 WALZFORD RD ROCHESTER NY 146222259, ROCHESTER, NY 14622-2259

Mortgage

Document Number	2289
Date	Feb 12, 2019
Book Page	027924/000399
Instrument	2289

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2049

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	$1,286.00 (-3.81%)
2025	$1,337.00	$143,800 (+80.88%) Land $16,900 Building $126,900	$143,800 (+50.13%) Land $16,900 Building $126,900
2023		$79,500 Land $10,400 Building $69,100	$95,783 Land $12,530 Building $83,253

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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