249 Emerson St, Rochester, NY 14613 Property Records

Monroe County and Rochester City property record for 249 Emerson St, Rochester, NY 14613

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,568 sqft · built 1910
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Jul 2023)
Tax Bill	$915 (2026)
Deeds & Mortgages	May 2026 Line of Credit Jul 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`013244-01.2`

Property Details

APN / Parcel Number

Primary APN	`013244-01.2`
Alternative APNs	`140010542000010790010000` `261400 105.42-1-79.001`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,568 sqft Living Area
1st Floor Area	784 sqft
2nd Floor Area	784 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	21,344 sqft (0.49 acres)
Lot Dimensions	132 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	98 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	013244-01.2
Street Address	249 EMERSON ST
City	ROCHESTER
State	NY
Zip	14613-2531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Block	1
Legal Lot Number	79.001
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2008
Census Tract	2400

Owner

249 Emerson St is owned and occupied by an individual who bought it in July 2023.

Source: Monroe County and Rochester City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	249 EMERSON ST, ROCHESTER, NY 14613-2531
Occupancy	Owner Occupied
Owner Type	Individual

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
May 27, 2026	Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION
Jul 14, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PREMIUM MORTGAGE CORP
Jul 14, 2023	Administrator's Deed, Transfer · Conventional Mortgage PREMIUM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Deed Document Number	20231193
Deed Book / Page	12837 / 565
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	May 27, 2026
Property Address	249 EMERSON ST, ROCHESTER, NY 14613-2531
Document Number	0003424585
Book / Page	31332 / 377
Instrument Date	May 5, 2026
Instrument	20263424585
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 EMERSON ST, ROCHESTER, NY 14613-2531

Mortgage

Document Number	0003424585,
Date	May 27, 2026
Book Page	31332/377
Instrument	20263424585

Lender

Name	ESL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.37%
Max Rate	-1%

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	249 EMERSON ST, ROCHESTER, NY 14613-2531
Transaction Type	Mortgage
Record Updated	Aug 1, 2023
Title Company	FLOWER CITY ABS INC, FLOWER CITY ABSTRACT INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 PARDEE ST, ROCHESTER, NY 14621-3401

Mortgage

Document Number	0000001195
Date	Jul 14, 2023
Book Page	30360/659
Instrument	202307141195

Lender

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

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

July 2023: Administrator's Deed, Transfer

Document Type	Administrator's Deed
Jurisdiction	MONROE NY
Recording Date	Jul 14, 2023
Property Address	249 EMERSON ST, ROCHESTER, NY 14613-2531
Document Number	0000001193
Book / Page	12837 / 565
Instrument Date	Jul 10, 2023
Instrument	202307141193
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FLOWER CITY ABSTRACT INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 124, NAPLES, NY 14512-0124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	249 EMERSON ST, ROCHESTER, NY 14613-2531

Mortgage

Document Number	0000001194
Date	Jul 14, 2023
Book Page	30360/643
Instrument	202307141194

Lender

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

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 249 Emerson St was $915, up 4.3% from the year before.

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	$915.00 (+4.33%)
2025	$877.00	$84,700 Land $13,700 Building $71,000	$84,700 Land $13,700 Building $71,000
2023		$35,200 (-) Land $5,300 Building $29,900	$42,410 (+10.84%) Land $6,386 Building $36,024
2022		$35,200 Land $5,300 Building $29,900	$38,261 Land $5,761 Building $32,500

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 249 Emerson St 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

The area around 249 Emerson St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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