48 Applegrove Dr, Rochester, NY 14612 Property Records

Monroe County and Greece Town property record for 48 Applegrove Dr, Rochester, NY 14612

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,232 sqft · built 1979
Lot Size	0.293 acres (12,800 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,152 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2020 Loan Modification + 2 more
Flood Zone	Zone X (minimal risk)
APN	`262800 044.04-3-78`

Property Details

APN / Parcel Number

Primary APN	`262800 044.04-3-78`
Alternative APNs	`28000440400003078000` `01593273000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,232 sqft Living Area
1st Floor Area	1,232 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	12,800 sqft (0.293 acres)
Lot Dimensions	160 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	01593273000
Street Address	48 APPLEGROVE DR
City	ROCHESTER
State	NY
Zip	14612-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1ST DIV L22 T2 APPLE GROVE GDN 204-74 L4
Legal Block	3
Legal Lot Number	78.000
Jurisdiction	MONROE NY
Township / Civil Division	GREECE
Census Block Group	2
Census Block	2001
Census Tract	13508

Owner

48 Applegrove Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830
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

Date	Document
Mar 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage ESL FCU
Mar 3, 2020	Loan Modification, Mortgage · Line of Credit ESL FCU
Mar 3, 2020	Deed of Trust, Mortgage · Line of Credit ESL FCU
Nov 21, 2019	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830
Transaction Type	Mortgage
Record Updated	Apr 14, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830

Mortgage

Document Number	0000000800
Date	Mar 27, 2023
Book Page	30242/623
Instrument	202303270800

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2043

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MONROE NY
Property Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830
Document Number	0000000607
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 APPLEGROVE DR ROCHESTER NY 146122830, ROCHESTER, NY 14612-2830

Mortgage

Document Number	0000000607
Date	Mar 9, 2020
Book Page	028419/000272
Instrument	607

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830
Document Number	0000000606
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 APPLEGROVE DR ROCHESTER NY 146122830, ROCHESTER, NY 14612-2830

Mortgage

Document Number	0000000606
Date	Mar 9, 2020
Book Page	028419/000263
Instrument	606

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	48 APPLEGROVE DR, ROCHESTER, NY 14612-2830
Document Number	0000000471
Instrument Date	Nov 21, 2019
Transaction Type	Mortgage
Record Updated	May 7, 2020
Title Company	STEWART TITLE, STEWART TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 APPLEGROVE DR ROCHESTER NY 146122830, ROCHESTER, NY 14612-2830

Mortgage

Document Number	0000000471
Date	Nov 26, 2019
Book Page	028298/000262
Instrument	471

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 48 Applegrove Dr was $5,152 with exemptions applied, up 45.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,152.00 (+45.62%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption
2025	$3,538.00	$126,000 Land $32,400 Building $93,600	$206,600 Land $53,126 Building $153,474
2023		$126,000 Land $32,400 Building $93,600	$146,512 Land $37,675 Building $108,837

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

Flood

FEMA maps place 48 Applegrove Dr 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 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 48 Applegrove Dr 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 97% of the US · lower than 96% 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 201 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: Frontier, T-Mobile, Verizon.

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