40 Elder St, Rochester, NY 14606 Property Records

Monroe County and Gates Town property record for 40 Elder St, Rochester, NY 14606

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1930
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$121,500 (Jun 2021)
Tax Bill	$4,885 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`262600 104.18-4-28`

Property Details

APN / Parcel Number

Primary APN	`262600 104.18-4-28`
Alternative APNs	`26001041800004028000` `05113000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	960 sqft Living Area
1st Floor Area	480 sqft
2nd Floor Area	480 sqft
Game Room	Game Room

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1990
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Porch	Porch
Porch Area	160 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	05113000000
Street Address	40 ELDER ST
City	ROCHESTER
State	NY
Zip	14606-5608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0111- 1-02 20000 AC NERACKER L6 L59 P21
Legal Subdivision	GEORGE J NERACKER SUBDIVISION
Legal Block	4
Legal Lot Number	28.000
Jurisdiction	MONROE NY
Township / Civil Division	GATES
Census Block Group	4
Census Block	4020
Census Tract	14302

Owner

40 Elder St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	40 ELDER ST, ROCHESTER, NY 14606-5608
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2021 · Amount on File
Deed Sale	Jun 9, 2021 · Amount on File
Prior Sale	May 27, 2003 · Amount on File
Deed Document Number	20211020
Deed Book / Page	12512 / 322
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 9, 2021
Property Address	40 ELDER ST, ROCHESTER, NY 14606-5608
Document Number	0000000322
Book / Page	12512 / 322
Map Reference	LB 59 PG 27
Instrument Date	May 25, 2021
Instrument	202106091020
Transaction Type	Transfer
Record Updated	Jul 14, 2021
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$486.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	40 ELDER ST, 40, ROCHESTER, NY 14606-5608

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 ELDER ST, GATES, NY 14606-5608

Mortgage

Document Number	202106091021
Date	Jun 9, 2021
Instrument	202106091021

Lender

Name	PREMIUM MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 40 Elder St was $4,885, up 16.1% from the year before.

Source: Monroe County and Gates Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Gates Town
Unified School District	Gates-Chili Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,885.00 (+16.06%)
2025	$4,209.00	$154,500 Land $31,500 Building $123,000	$154,500 Land $31,500 Building $123,000
2023		$90,400 (-) Land $21,200 Building $69,200	$108,900 (+9.67%) Land $25,538 Building $83,362
2022		$90,400 Land $21,200 Building $69,200	$99,300 Land $23,287 Building $76,013
2021	$3,451.00

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

Flood

FEMA maps place 40 Elder St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 40 Elder St 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 99.1% of the US · lower than 99.2% 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 481 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20