Monroe County and Rochester City property record for 20 Rustic St, Rochester, NY 14609
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,664 sqft · built 1895 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $138,500 (Nov 2021) |
| Tax Bill | $1,710 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 080196-00.0 |
| Primary APN | 080196-00.0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,664 sqft Living Area |
| 1st Floor Area | 832 sqft |
| 2nd Floor Area | 832 sqft |
| Game Room | Game Room |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 120 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 412 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 080196-00.0 |
|---|---|
| Street Address | 20 RUSTIC ST |
| City | ROCHESTER |
| State | NY |
| Zip | 14609-3513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 12 |
| Legal Description | 0084.00 103 22 00000 71 NEWCOMB H A SUB |
| Legal Subdivision | NEWCOMB HOMESTEAD ASSOCIATIONTRACT |
| Legal Block | 1 |
| Legal Lot Number | 52.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | ROCHESTER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 8400 |
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 | 20 RUSTIC ST, ROCHESTER, NY 14609-3513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage CLICK N CLOSE INC |
| Nov 19, 2021 | Warranty Deed, Transfer · FHA Mortgage HUNT MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 19, 2021 · Amount on Record |
| Deed Sale | Nov 19, 2021 · Amount on Record |
| Prior Sale | Oct 4, 2005 · Amount on Record |
| Deed Document Number | 20211393 |
| Deed Book / Page | 12590 / 33 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 20 RUSTIC ST, ROCHESTER, NY 14609-3513 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 20 RUSTIC ST, ROCHESTER, NY 14609-3513 |
| Document Number | 0000000137 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 30188/613 |
| Instrument | 202301170137 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Address | ADDISON, TX 75001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 347 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONROE NY |
| Recording Date | Nov 19, 2021 |
| Property Address | 20 RUSTIC ST, ROCHESTER, NY 14609-3513 |
| Document Number | 0000001393 |
| Book / Page | 12590 / 33 |
| Map Reference | LB 8 PG 63 |
| Instrument Date | Oct 26, 2021 |
| Instrument | 202111191393 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Title Company | STEWART TITLE INS CO UPSTATE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $554.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 20 RUSTIC ST, 20, ROCHESTER, NY 14609-3513 |
| Name | Verified Name |
|---|---|
| Address | 20 RUSTIC ST, ROCHESTER, NY 14609-3513 |
| Document Number | 0000001394 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 29596/470 |
| Instrument | 202111191394 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | BUFFALO, NY 14203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $1,710.00 (-1.5%) | ||
| 2025 | $1,736.00 | $162,600 (+91.29%) Land $9,100 Building $153,500 | $162,600 (+58.77%) Land $9,100 Building $153,500 |
| 2023 | $85,000 (-) Land $5,900 Building $79,100 | $102,410 (+10.84%) Land $7,108 Building $95,302 | |
| 2022 | $85,000 Land $5,900 Building $79,100 | $92,391 Land $6,413 Building $85,978 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 1,031 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures