405 Bernard St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 405 Bernard St, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,680 sqft · built 1920
Lot Size	0.128 acres (5,597 sqft)
Owner	2 Individual Names on Record
Last Sale	$20,000 (Mar 2018)
Tax Bill	$955 (2026)
Deeds & Mortgages	Mortgage Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`073325-00.0`

Property Details

APN / Parcel Number

Primary APN	`073325-00.0`
Alternative APNs	`140010626000030540000000` `261400 106.26-3-54`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,149 sqft
Upper Floors Area	531 sqft
Game Room	Game Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,597 sqft (0.128 acres)
Lot Dimensions	143 ft deep x 39 ft wide
Garage Type	Detached
Garage Area	399 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073325-00.0
Street Address	405 BERNARD ST
City	ROCHESTER
State	NY
Zip	14621-4917
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	0080.00 205 22 00000 8 SEC F ST JACOBS AMD SUB
Legal Block	3
Legal Lot Number	54.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2006
Census Tract	8000

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	2 Individual Names on Record
Mailing Address	405 BERNARD ST, ROCHESTER, NY 14621-4917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
	Deed of Trust, Mortgage
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit THE CANANDAIGUA NATIONAL BANK & TRUST CO
Mar 28, 2018	Warranty Deed, Transfer STEWART TITLE
Jan 12, 2018	Tax Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2018 · Amount on Record
Deed Sale	Mar 28, 2018 · Amount on Record
Prior Sale	May 18, 2006 · Amount on Record
Deed Document Number	2018626
Deed Book / Page	12002 / 637
Record Updated	Oct 29, 2026

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	405 BERNARD ST, ROCHESTER, NY 14621-4917
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BERNARD ST, ROCHESTER, NY 14621-4917

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	405 BERNARD ST, ROCHESTER, NY 14621-4917
Transaction Type	Mortgage
Record Updated	Aug 29, 2022
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BEMARD ST, ROCHESTER, NY 14621

Mortgage

Document Number	0000001048
Date	Jul 27, 2022
Book Page	29991/518
Instrument	202207271048

Lender

Name	THE CANANDAIGUA NATIONAL BANK & TRUST CO
Type	Bank
Address	CANANDAIGUA, NY 14424

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Mar 28, 2018
Property Address	405 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0000000626
Book / Page	012002 / 000637
Instrument Date	Mar 27, 2018
Instrument	626
Transaction Type	Transfer
Record Updated	Apr 23, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$80.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	81 EIBBEL PL ROCHESTER NY 14621, ROCHESTER, NY 14621

January 2018: Tax Deed, Foreclosure

Document Type	Tax Deed
Jurisdiction	MONROE NY
Recording Date	Jan 12, 2018
Property Address	405 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0000000584
Book / Page	011972 / 000308
Instrument Date	Jan 10, 2018
Instrument	584
Transaction Type	Foreclosure
Record Updated	Jan 17, 2018

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 30278 ROCHESTER NY 146033278, ROCHESTER, NY 14603-3278

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	$955.00 (-5.16%)
2025	$1,007.00	$88,400 (+152.57%) Land $12,000 Building $76,400	$88,400 (+109.63%) Land $12,000 Building $76,400
2023		$35,000 Land $4,200 Building $30,800	$42,169 Land $5,060 Building $37,109

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

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	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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