20 Clark St, Rochester, NY 14609 Property Records

Monroe County and Rochester City property record for 20 Clark St, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,433 sqft · built 1925
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on Record
Tax Bill	$1,762 (2024)
Deeds & Mortgages	Jun 2018 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044872-00.0`

Property Details

APN / Parcel Number

Primary APN	`044872-00.0`
Alternative APNs	`140010764000030480010000` `261400 107.64-3-48.001`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,433 sqft Living Area
1st Floor Area	757 sqft
2nd Floor Area	676 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	143 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	680 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	044872-00.0
Street Address	20 CLARK ST
City	ROCHESTER
State	NY
Zip	14609-7157
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Block	3
Legal Lot Number	48.001
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2006
Census Tract	6000

Owner

Source: Monroe County and Rochester City records, 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 Record
Mailing Address	20 CLARK ST, ROCHESTER, NY 14609-7157
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BANK NA
May 14, 2021	Executor's Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	20 CLARK ST, ROCHESTER, NY 14609-7157
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000108
Date	Jun 20, 2018
Book Page	27643/457
Instrument	201806200108

Lender

Name	CITIZENS BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 6, 2043

Interest

Rate Type	Fixed Rate

May 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONROE NY
Recording Date	May 14, 2021
Property Address	20 CLARK ST, ROCHESTER, NY 14609-7157
Document Number	0000000318
Book / Page	12500 / 465
Map Reference	LB 33 PG 28
Instrument Date	May 6, 2021
Instrument	202105140318
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 WATSON HULBERT ROD, 200, MACEDON, NY 14502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CLARK ST, ROCHESTER, NY 14609-7157

Mortgage

Document Number	0000000319
Date	May 14, 2021
Instrument	202105140319

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Mortgage

Document Number	0000000320
Date	May 14, 2021
Book Page	29205/192
Instrument	202105140320

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company
Address	ROCHESTER, NY 14618

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

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		$188,200 (+76.55%) Land $11,700 Building $176,500	$188,200 (+46.53%) Land $11,700 Building $176,500
2024	$1,762.00
2023		$106,600 Land $7,800 Building $98,800	$128,434 Land $9,398 Building $119,036

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% 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 1,064 locations within half a mile, as of December 31, 2025

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

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