446 Bernard St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 446 Bernard St, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,443 sqft · built 1905
Lot Size	0.097 acres (4,264 sqft)
Owner	Company Name on Record
Last Sale	$80,000 (Jul 2022)
Tax Bill	$891 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`073354-00.0`

Property Details

APN / Parcel Number

Primary APN	`073354-00.0`
Alternative APNs	`140010626000030790000000` `261400 106.26-3-79`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,443 sqft Living Area
1st Floor Area	825 sqft
Upper Floors Area	618 sqft
Game Room	Game Room

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,264 sqft (0.097 acres)
Lot Dimensions	115 ft deep x 37 ft wide
Garage Type	Mixed
Garage Area	252 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	149 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073354-00.0
Street Address	446 BERNARD ST
City	ROCHESTER
State	NY
Zip	14621-4918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	0080.00 302 22 00000 26 SEC E ST JACOBS AMD SUB
Legal Subdivision	SAINT JACOBS TRACT
Legal Block	3
Legal Lot Number	79.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2005
Census Tract	8000

Owner

Source: Monroe County and Rochester City records, as of March 30, 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	18 RIVER ST, ROCHESTER, NY 14612-4757
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit 446 BERNARD STREET LLC
Jul 27, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2022 · Amount on Record
Deed Sale	Jul 27, 2022 · Amount on Record
Prior Sale	May 14, 2014
Deed Document Number	2022985
Deed Book / Page	12697 / 612
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	446 BERNARD ST, ROCHESTER, NY 14621-4918
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 GARSON AVE, ROCHESTER, NY 14609-6533
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000986
Date	Jul 27, 2022
Book Page	29991/474
Instrument	202207270986

Lender

Name	446 BERNARD STREET LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	54 Months
Due	Jan 1, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jul 27, 2022
Property Address	446 BERNARD ST, ROCHESTER, NY 14621-4918
Document Number	0000000985
Book / Page	12697 / 612
Map Reference	LB 8 PG 39
Instrument Date	Dec 31, 2021
Instrument	202207270985
Transaction Type	Transfer
Record Updated	Oct 18, 2022

Transaction

Amount	Amount Recorded
Tax	$320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 828, WEBSTER, NY 14580-0828

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1118 GARSON AVE, ROCHESTER, NY 14609-6533
Investor	Possibly a Property Investor

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
2025	$891.00	$85,400 (+144%) Land $9,200 Building $76,200	$85,400 (+102.52%) Land $9,200 Building $76,200
2023		$35,000 Land $3,900 Building $31,100	$42,169 Land $4,699 Building $37,470

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

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