32 Karnes St, Rochester, NY 14606 Property Records

Monroe County and Rochester City property record for 32 Karnes St, Rochester, NY 14606

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,375 sqft · built 1925
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (Oct 2021)
Tax Bill	$597 (2026)
Deeds & Mortgages	Dec 2022 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`014493-00.0`

Property Details

APN / Parcel Number

Primary APN	`014493-00.0`
Alternative APNs	`140010549000030420000000` `261400 105.49-3-42`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,375 sqft Living Area
1st Floor Area	550 sqft
2nd Floor Area	550 sqft
Upper Floors Area	275 sqft
Game Room	Game Room

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	014493-00.0
Street Address	32 KARNES ST
City	ROCHESTER
State	NY
Zip	14606-2414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	0024.00 206 10 00000 39 LOUIS BAUER SUB
Legal Subdivision	LOUIS BAUERS SUBDIVISION
Legal Block	3
Legal Lot Number	42.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2006
Census Tract	2400

Owner

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	32 KARNES ST, ROCHESTER, NY 14606-2414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2022	Deed of Trust, Mortgage NEW YORK STATE AFFORDABLE HOUSING CORPOR
Oct 28, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) M & T BANK
Oct 28, 2021	Warranty Deed, Transfer · Conventional Mortgage M & T BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on Record
Deed Sale	Oct 28, 2021 · Amount on Record
Prior Sale	Feb 28, 2011 · Amount on Record
Deed Document Number	202180963
Deed Book / Page	12579 / 627
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	32 KARNES ST, ROCHESTER, NY 14606-2414
Transaction Type	Mortgage
Record Updated	Jan 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 KARNES ST, ROCHESTER, NY 14606-2414

Mortgage

Document Number	0000000426
Date	Dec 30, 2022
Book Page	30177/13
Instrument	202212300426

Lender

Name	NEW YORK STATE AFFORDABLE HOUSING CORPOR
Type	Government Agency
Address	NEW YORK, NY 10022

Agreement

Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	32 KARNES ST, ROCHESTER, NY 14606-2414
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 OTIS ST, ROCHESTER, NY 14606-2665

Mortgage

Document Number	0000000966
Date	Oct 28, 2021
Book Page	29545/276
Instrument	202110280966

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 28, 2021
Property Address	32 KARNES ST, ROCHESTER, NY 14606-2414
Document Number	0000000963
Book / Page	12579 / 627
Map Reference	LB 6 PG 85
Instrument Date	Oct 26, 2021
Instrument	202110280963
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 KARNES ST, 21, ROCHESTER, NY 14606-2413

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 KARNES ST, ROCHESTER, NY 14606-2414

Mortgage

Document Number	0000000964
Date	Oct 28, 2021
Instrument	202110280964

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Mortgage

Document Number	0000000965
Date	Oct 28, 2021
Book Page	29545/268
Instrument	202110280965

Lender

Name	CITY OF ROCHESTER
Type	Government Agency
Address	ROCHESTER, NY 14614

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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
2026	$597.00 (-8.29%)
2025	$651.00	$71,400 (+82.61%) Land $6,600 Building $64,800	$71,400 (+51.57%) Land $6,600 Building $64,800
2023		$39,100 Land $4,000 Building $35,100	$47,108 Land $4,819 Building $42,289

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

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

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.

Nearby Properties on Karnes St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures