228 River St, Rochester, NY 14612 Property Records

Monroe County and Rochester City property record for 228 River St, Rochester, NY 14612

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,852 sqft · built 1890
Lot Size	0.25 acres (10,901 sqft)
Owner	Individual Name on Record
Last Sale	$72,000 (Jun 2018)
Tax Bill	$892 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Dec 2018 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`085317-00.0`

Property Details

APN / Parcel Number

Primary APN	`085317-00.0`
Alternative APNs	`140004778000010310000000` `261400 047.78-1-31`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,852 sqft Living Area
1st Floor Area	978 sqft
2nd Floor Area	874 sqft
Game Room	Game Room

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,901 sqft (0.25 acres)
Lot Dimensions	161 ft deep x 67.5 ft wide
Garage Type	Detached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	388 sqft
Canopy	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	085317-00.0
Street Address	228 RIVER ST
City	ROCHESTER
State	NY
Zip	14612-4718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0085.00 204 23 00000 PT 36 TOWN LOT
Legal Block	1
Legal Lot Number	31.000
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 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	228 RIVER ST, ROCHESTER, NY 14612-4718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2023	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Dec 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Aug 5, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jan 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jun 19, 2018	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 19, 2018 · Amount on Record
Deed Sale	Jun 19, 2018 · Amount on Record
Prior Sale	Apr 16, 2010 · Amount on Record
Deed Document Number	2018973
Deed Book / Page	12041 / 166
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	228 RIVER ST, ROCHESTER, NY 14612-4718
Transaction Type	Mortgage
Record Updated	Dec 20, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIVER ST, ROCHESTER, NY 14612-4718

Mortgage

Document Number	0000001146
Date	Nov 29, 2023
Book Page	30516/474
Instrument	202311291146

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank
Address	ROCHESTER, NY 14612

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	228 RIVER ST, ROCHESTER, NY 14612-4718
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	SERVICELINK TITLE ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000778
Date	Dec 20, 2018
Book Page	27872/314
Instrument	201812200778

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	133 Months
Due	Jan 27, 2030

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	228 RIVER ST, ROCHESTER, NY 14612-4718
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIVER ST, ROCHESTER, NY 14612-4718

Mortgage

Document Number	0000000060
Date	Aug 5, 2021
Book Page	29372/502
Instrument	202108050060

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Jun 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	228 RIVER ST, ROCHESTER, NY 14612-4718
Document Number	0000000497
Instrument Date	Jan 13, 2020
Transaction Type	Mortgage
Record Updated	May 19, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 RIVER ST ROCHESTER NY 146124718, ROCHESTER, NY 14612-4718

Mortgage

Document Number	0000000497
Date	Mar 23, 2020
Book Page	028435/000567
Instrument	497

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 22, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 19, 2018
Property Address	228 RIVER ST, ROCHESTER, NY 14612-4718
Document Number	0000000973
Book / Page	012041 / 000166
Instrument Date	Jun 11, 2018
Instrument	973
Transaction Type	Transfer
Record Updated	Jul 16, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$288.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19 BATEAU TER ROCHESTER NY 146171201, ROCHESTER, NY 14617-1201

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	$892.00	$165,800 (+112.02%) Land $16,400 Building $149,400	$165,800 (+75.98%) Land $16,400 Building $149,400
2023		$78,200 Land $10,000 Building $68,200	$94,217 Land $12,048 Building $82,169

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	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.

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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