307 Jay St, Rochester, NY 14608 Property Records

Monroe County and Rochester City property record for 307 Jay St, Rochester, NY 14608

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,672 sqft · built 2018
Lot Size	0.15 acres (6,545 sqft)
Owner	Company Name on File
Tax Bill	$481 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2019 Loan Modification + 5 more
Flood Zone	Zone X (minimal risk)
APN	`021618-00.0`

Property Details

APN / Parcel Number

Primary APN	`021618-00.0`
Alternative APNs	`140010584000010390000000` `261400 105.84-1-39`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,672 sqft Living Area
1st Floor Area	836 sqft
2nd Floor Area	836 sqft
Upper Floors Area	556 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	6,545 sqft (0.15 acres)
Lot Dimensions	163 ft deep x 40 ft wide
Porch	Slab
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	021618-00.0
Street Address	307 JAY ST
City	ROCHESTER
State	NY
Zip	14608-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	13
Legal Description	0096.04 103 11 03529 52 WHITNEY SUB
Legal Block	1
Legal Lot Number	39.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1000
Census Tract	9605

Owner

307 Jay St is owned by a company that acquired it in July 1997.

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

Owner of Record	Company Name on File
Mailing Address	460 WHITE SPRUCE BLVD, ROCHESTER, NY 14623-1608
Owner Type	Company
Vesting	Company

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
Nov 25, 2019	Grant Deed, Mortgage HOUSING TR FUND
Oct 22, 2019	Loan Modification, Mortgage · Conventional with PMI CHARLES SETTLEMENT HSE INC
Mar 20, 2019	Trustee's Deed, Construction Loan · Construction Mortgage MISCELLANEOUS GOVT AGCY
Mar 20, 2019	Loan Modification, Mortgage MISCELLANEOUS GOVT AGCY
Mar 5, 2019	Deed of Trust, Mortgage CHARLES SETTLEMENT HOUSE INC
Mar 5, 2019	Deed of Trust, Mortgage CHARLES SETTLEMENT HSE INC
Dec 6, 2017	Grant Deed, Construction Loan · Line of Credit CITIZENS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 1997
Deed Sale	Jul 8, 1997
Deed Book / Page	8890 / 57
Record Updated	Oct 29, 2026

November 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	MONROE NY
Recording Date	Nov 25, 2019
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Book / Page	028296 / 000077
Instrument Date	Nov 22, 2019
Instrument	895
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE INS CO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SUCE BLVD ROCHESTER NY 14623, ROCHESTER, NY 14623

Mortgage

Document Number	0000000895
Date	Nov 25, 2019
Book Page	028296/000077
Instrument	895

Lender

Name	HOUSING TR FUND
Type	Funding / Finance Company
Address	38 -40 STATE ST, ALBANY, NY 12207-2837

Agreement

Amount	Amount on Record

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Document Number	0000000660
Instrument Date	Oct 22, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SPRUCE BLVD ROCHESTER NY 146231608, ROCHESTER, NY 14623-1608

Mortgage

Document Number	0000000660
Date	Oct 23, 2019
Book Page	028247/000611
Instrument	660

Lender

Name	CHARLES SETTLEMENT HSE INC
Address	ROCHESTER, NY 14608

Agreement

Type	Conventional with PMI
Amount	Amount on Record

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MONROE NY
Recording Date	Mar 20, 2019
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Book / Page	027958 / 000396
Instrument Date	Mar 8, 2019
Instrument	442
Transaction Type	Construction Loan
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SPRUCE BLVD ROCHESTER NY 146231608, ROCHESTER, NY 14623-1608

Mortgage

Document Number	0000000442
Date	Mar 20, 2019
Book Page	027958/000396
Instrument	442

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	30 CHURCH ST, ROCHESTER, NY 14614-1206

Agreement

Type	Construction Mortgage
Amount	Amount on Record

March 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Recording Date	Mar 20, 2019
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Book / Page	027958 / 000448
Instrument Date	Mar 8, 2019
Instrument	445
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SPRUCE BLVD ROCHESTER NY 146231608, ROCHESTER, NY 14623-1608

Mortgage

Document Number	0000000445
Date	Mar 20, 2019
Book Page	027958/000448
Instrument	445

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	30 CHURCH ST, ROCHESTER, NY 14614-1206

Agreement

Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Document Number	0000000312
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	Apr 5, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SPRUCE BLVD ROCHESTER NY 146231608, ROCHESTER, NY 14623-1608

Mortgage

Document Number	0000000312
Date	Mar 6, 2019
Book Page	027943/000261
Instrument	312

Lender

Name	CHARLES SETTLEMENT HOUSE INC
Address	71 PARKWAY, ROCHESTER, NY 14608-1238

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 5, 2034

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Document Number	0000000921
Instrument Date	Mar 5, 2019
Transaction Type	Mortgage
Record Updated	May 22, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Mortgage

Document Number	0000000921
Date	Apr 25, 2019
Book Page	027998/000656
Instrument	921

Lender

Name	CHARLES SETTLEMENT HSE INC
Address	71 PARKWAY, ROCHESTER, NY 14608-1238

Agreement

Amount	Amount on Record

December 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	MONROE NY
Recording Date	Dec 6, 2017
Property Address	307 JAY ST, ROCHESTER, NY 14608-1501
Document Number	0000000307
Book / Page	011957 / 000009
Instrument Date	Nov 30, 2017
Instrument	307
Transaction Type	Construction Loan
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$72.30
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	460 WHITE SPRUCE BLVD ROCHESTER NY 146231608, ROCHESTER, NY 14623-1608

Mortgage

Document Number	310
Date	Dec 6, 2017
Book Page	027424/000576
Instrument	310

Lender

Name	CITIZENS BK
Type	Bank
Address	833 BROADWAY, ALBANY, NY 12207-2415

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	311,
Date	Dec 6, 2017
Instrument	311

Lender

Name	CITIZENS BK
Type	Bank
Address	833 BROADWAY, ALBANY, NY 12207-2415

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	24 Months
Due	Dec 5, 2019

Tax Assessment & Valuation

The 2026 property tax bill for 307 Jay St was $481, up 26.6% 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	$481.00 (+26.58%)
2025	$380.00	$84,000 Land $6,500 Building $77,500	$84,000 Land $6,500 Building $77,500
2023		$84,000 Land $3,100 Building $80,900	$101,205 Land $3,735 Building $97,470

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 307 Jay 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 307 Jay 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 515 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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