45 Oneta Rd, Rochester, NY 14617 Property Records

Monroe County and Irondequoit Town property record for 45 Oneta Rd, Rochester, NY 14617

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,500 sqft · built 1942
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on File
Last Sale	$217,000 (Sep 2026)
Tax Bill	$7,970 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`263400 076.10-3-30`

Property Details

APN / Parcel Number

Primary APN	`263400 076.10-3-30`
Alternative APNs	`34000761000003030000` `09919000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,500 sqft Living Area
1st Floor Area	750 sqft
2nd Floor Area	750 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	108 ft deep x 49 ft wide
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	28 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	09919000000
Street Address	45 ONETA RD
City	ROCHESTER
State	NY
Zip	14617-5619
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0014-14-07 RAINSFORD L56 00
Legal Block	3
Legal Lot Number	30.000
Jurisdiction	MONROE NY
Township / Civil Division	IRONDEQUOIT
Census Block Group	1
Census Block	1009
Census Tract	10300

Owner

45 Oneta Rd is owned by a company that bought it in September 2026.

Source: Monroe County and Irondequoit Town records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	418 BROADWAY, Y, ALBANY, NY 12207-2922
Owner Type	Company
Vesting	Limited Liability Partnership

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

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Sep 30, 2026	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN EQUITY MORTGAGE
Apr 8, 2022	Warranty Deed, Transfer · Conventional Mortgage FAMILY FIRST OF NY FCU
Apr 11, 2019	Executor's Deed, Transfer · Conventional Mortgage RESIDENTIAL MORTGAGE SERVICES
Sep 22, 2017	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Apr 8, 2022 · Amount on File
Deed Document Number	20263470897
Deed Book / Page	13236 / 12
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Sep 30, 2026
Property Address	45 ONETA RD, ROCHESTER, NY 14617-5619
Document Number	0003470898
Book / Page	31449 / 174
Instrument Date	Sep 24, 2026
Instrument	20263470898
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	WEBTITLE AGENCY, WEBTITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	5226 BAKER BLVD, IRVING, TX 75039-0001

Mortgage

Document Number	0003470898,
Date	Sep 30, 2026
Book Page	31449/174
Instrument	20263470898

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Sep 30, 2026
Property Address	45 ONETA RD, ROCHESTER, NY 14617-5619
Document Number	0003470897
Book / Page	13236 / 12
Instrument Date	Sep 16, 2026
Instrument	20263470897
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	WEBTITLE AGENCY, WEBTITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$87,668.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0000000898,
Date	Sep 30, 2026
Instrument	2026898

Lender

Name	HOMETOWN EQUITY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

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

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Apr 8, 2022
Property Address	45 ONETA RD, ROCHESTER, NY 14617-5619
Document Number	0000000857
Book / Page	12647 / 245
Map Reference	LB 64 PG 15
Instrument Date	Apr 4, 2022
Instrument	202204080857
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	WEBTITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$840.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 WINONA BLVD, ROCHESTER, NY 14617-3749

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	45 ONETA RD, IRONDEQUOIT, NY 14617-5619

Mortgage

Document Number	0000000858
Date	Apr 8, 2022
Instrument	202204080858

Lender

Name	FAMILY FIRST OF NY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2019: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	MONROE NY
Recording Date	Apr 11, 2019
Property Address	45 ONETA RD, ROCHESTER, NY 14617-5619
Document Number	0000000323
Book / Page	12169 / 413
Map Reference	ELB 91 PG 24
Instrument Date	Apr 9, 2019
Instrument	201904110323
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$432.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ONETA RD, ROCHESTER, NY 14617-5619

Mortgage

Document Number	0000000324
Date	Apr 11, 2019
Instrument	201904110324

Lender

Name	RESIDENTIAL MORTGAGE SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	45 ONETA RD, ROCHESTER, NY 14617-5619
Document Number	0000000480
Book / Page	027340 / 000423
Instrument Date	Sep 22, 2017
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 ONETA RD ROCHESTER NY 146175619, ROCHESTER, NY 14617-5619

Mortgage

Document Number	0000000480
Date	Oct 3, 2017
Book Page	027340/000423
Instrument	480

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604-2424

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 2, 2027

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 45 Oneta Rd was $7,970, up 4.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Irondequoit Town
Unified School District	West Irondequoit Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,970.00 (+4.24%)
2025	$7,646.00	$210,000 Land $33,000 Building $177,000	$250,000 Land $39,286 Building $210,714
2023		$210,000 (+61.79%) Land $33,000 Building $177,000	$210,000 (+26.2%) Land $33,000 Building $177,000
2022		$129,800 Land $32,100 Building $97,700	$166,400 Land $41,151 Building $125,249
2021	$6,295.00

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

Flood

FEMA maps place 45 Oneta Rd in Zone X, an area of minimal flood risk.

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

The area around 45 Oneta Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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	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 642 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: Empire Long Distance, Frontier.

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