203 Thurlow Ave, Rochester, NY 14609 Property Records

Monroe County and Irondequoit Town property record for 203 Thurlow Ave, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,353 sqft · built 1960
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Dec 2025)
Tax Bill	$8,188 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`263400 107.08-3-16`

Property Details

APN / Parcel Number

Primary APN	`263400 107.08-3-16`
Alternative APNs	`34001070800003016000` `02195000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,353 sqft Living Area
1st Floor Area	604 sqft
2nd Floor Area	576 sqft
Upper Floors Area	173 sqft
Game Room	Game Room

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1990
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	109 ft deep x 55 ft wide
Garage Type	Attached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	261 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02195000000
Street Address	203 THURLOW AVE
City	ROCHESTER
State	NY
Zip	14609-5904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0006-13-07 WINTON VLG L10 00
Legal Subdivision	WINTON VILLAGE
Legal Block	3
Legal Lot Number	16.000
Jurisdiction	MONROE NY
Township / Civil Division	IRONDEQUOIT
Census Block Group	1
Census Block	1004
Census Tract	11100

Owner

203 Thurlow Ave is owned by two individuals who bought it in December 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	21 DELANO PARK B, FAIRPORT, NY 14450
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2023	Deed of Trust, Mortgage · Line of Credit RELIANT COMMUNITY FCU
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage THE LYONS NATIONAL BANK
Aug 31, 2023	Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Aug 31, 2023 · Amount on File
Deed Document Number	20253369529
Deed Book / Page	13158 / 609
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904
Transaction Type	Mortgage
Record Updated	Feb 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000491
Date	Jul 12, 2023
Book Page	30357/132
Instrument	202307120491

Lender

Name	RELIANT COMMUNITY FCU
Type	Credit Union
Address	SODUS, NY 14551

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Dec 30, 2025
Property Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904
Document Number	202503369529
Book / Page	13158 / 609
Map Reference	LB 127 PG 93
Instrument Date	Dec 30, 2025
Instrument	202503369529
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	ABA ABSTRACT COMPANY, ABAR ABSTRACT CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904

Mortgage

Document Number	202503369530
Date	Dec 30, 2025
Instrument	202503369530

Lender

Name	THE LYONS NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

August 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE NY
Recording Date	Aug 31, 2023
Property Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904
Document Number	0000001510
Book / Page	12859 / 503
Map Reference	LB 127 PG 93
Instrument Date	Aug 23, 2023
Instrument	202308311510
Transaction Type	Transfer
Record Updated	Sep 14, 2023
Title Company	ABAR ABSTRACT CORP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 THURLOW AVE, ROCHESTER, NY 14609-5904

Mortgage

Document Number	0000001515
Date	Aug 31, 2023
Instrument	202308311515

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Mortgage

Document Number	0000001516
Date	Aug 31, 2023
Book Page	30418/546
Instrument	202308311516

Lender

Name	WEST SIDE NEIGHBORHOOD HOUSING SERVICES
Type	Non-Lending Institution
Address	BUFFALO, NY 14213

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 203 Thurlow Ave was $8,188, up 1.7% 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	$8,188.00 (+1.7%)
2025	$8,051.00 (+156.08%)	$202,000 (-) Land $37,000 Building $165,000	$240,500 (+9.52%) Land $44,052 Building $196,448
2024	$3,144.00	$202,000 (+9.78%) Land $37,000 Building $165,000	$219,600 (+19.35%) Land $40,224 Building $179,376
2023		$184,000 (+49.11%) Land $37,000 Building $147,000	$184,000 (+16.31%) Land $37,000 Building $147,000
2022		$123,400 Land $32,400 Building $91,000	$158,200 Land $41,537 Building $116,663
2021	$6,361.00

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 203 Thurlow Ave 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

Wildfire risk around 203 Thurlow Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 95% 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	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 391 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: Empire Long Distance, Frontier.

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