435 Bernard St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 435 Bernard St, Rochester, NY 14621

Property Summary

Property Type	Duplex
Details	5 bd · 2 ba · 2,086 sqft · built 1905
Lot Size	0.128 acres (5,597 sqft)
Owner	Company Name on Record
Last Sale	$112,000 (Jun 2026)
Tax Bill	$999 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`073331-00.0`

Property Details

APN / Parcel Number

Primary APN	`073331-00.0`
Alternative APNs	`140010626000030600000000` `261400 106.26-3-60`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,086 sqft Total Area
1st Floor Area	1,203 sqft
Upper Floors Area	883 sqft
Game Room	Game Room

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,597 sqft (0.128 acres)
Lot Dimensions	143 ft deep x 39 ft wide
Porch	Slab
Porch Area	274 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073331-00.0
Street Address	435 BERNARD ST
City	ROCHESTER
State	NY
Zip	14621-4917
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	12
Legal Description	0080.00 205 22 00000 14 SEC F ST JACOBS AMD SUB
Legal Subdivision	JACOBS TRACT
Legal Block	3
Legal Lot Number	60.000
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	Company Name on Record
Mailing Address	3 E EVERGREEN RD, 101, NEW CITY, NY 10956-5146
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage CNB MORTGAGE
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage CNB MORTGAGE
Sep 12, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage GP CAPITAL 1 LLC
Nov 2, 2022	Deed of Trust, Mortgage 200436158 IRA
Sep 12, 2022	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage GP CAPITAL I LLC
Sep 9, 2022	Referee's Deed, Foreclosure INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2026 · Amount on Record
Deed Sale	Jun 3, 2026 · Amount on Record
Prior Sale	Jan 13, 2025 · Amount on Record
Deed Document Number	20263427469
Deed Book / Page	13199 / 457
Prior Transfer Date	Sep 12, 2022
Prior Transfer Doc	0000001144
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Jun 3, 2026
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0003427470
Book / Page	31338 / 746
Instrument Date	May 29, 2026
Instrument	20263427470
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	STEWART GUARANTY TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	25 DALEWOOD CT, NEW CITY, NY 10956-4703

Mortgage

Document Number	0003427470,
Date	Jun 3, 2026
Book Page	31338/746
Instrument	20263427470

Lender

Name	CNB MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 3, 2026
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0003427469
Book / Page	13199 / 457
Instrument Date	May 26, 2026
Instrument	20263427469
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45,248.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0003427470,
Date	Jun 3, 2026
Book Page	31338/746
Instrument	20263427470

Lender

Name	CNB MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001147
Date	Sep 12, 2022
Book Page	30054/319
Instrument	202209121147

Lender

Name	GP CAPITAL 1 LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001293
Date	Nov 2, 2022
Book Page	30118/378
Instrument	202211021293

Lender

Name	200436158 IRA
Type	Non-Lending Institution
Address	WESTLAKE, OH 44145

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Oct 1, 2037

September 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONROE NY
Recording Date	Sep 12, 2022
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0000001144
Book / Page	12719 / 35
Map Reference	LB 8 PG 39
Instrument Date	Sep 12, 2022
Instrument	202209121144
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	INDEPENDENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$456.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 10369, ROCHESTER, NY 14610-0369

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1359 CLIFFORD AVE, ROCHESTER, NY 14621-5639

Mortgage

Document Number	0000001145
Date	Sep 12, 2022
Book Page	30054/308
Instrument	202209121145

Lender

Name	GP CAPITAL I LLC
Type	Non-Lending Institution
Address	ROCHESTER, NY 14610

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

September 2022: Referee's Deed, Foreclosure

Document Type	Referee's Deed
Jurisdiction	MONROE NY
Recording Date	Sep 9, 2022
Property Address	435 BERNARD ST, ROCHESTER, NY 14621-4917
Document Number	0000000961
Book / Page	12718 / 275
Instrument Date	Aug 25, 2022
Instrument	202209090961
Transaction Type	Foreclosure
Record Updated	Sep 28, 2022
Title Company	INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 W MAIN ST, 39, ROCHESTER, NY 14614-1408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 10369, BRIGHTON, NY 14610-0369

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	$999.00 (-12.6%)
2025	$1,143.00	$100,100 (+134.98%) Land $12,000 Building $88,100	$100,100 (+95.03%) Land $12,000 Building $88,100
2023		$42,600 Land $4,200 Building $38,400	$51,325 Land $5,060 Building $46,265

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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.

Nearby Properties on Bernard St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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