481 Garson Ave, Rochester, NY 14609 Property Records

Monroe County and Rochester City property record for 481 Garson Ave, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,458 sqft · built 1905
Lot Size	0.117 acres (5,120 sqft)
Owner	Company Name on File
Last Sale	$59,000 (Oct 2023)
Tax Bill	$645 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Mar 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`047146-00.0`

Property Details

APN / Parcel Number

Primary APN	`047146-00.0`
Alternative APNs	`140010761000030250000000` `261400 107.61-3-25`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,458 sqft Living Area
1st Floor Area	738 sqft
2nd Floor Area	720 sqft
Game Room	Game Room

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,120 sqft (0.117 acres)
Lot Dimensions	128 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	222 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	047146-00.0
Street Address	481 GARSON AVE
City	ROCHESTER
State	NY
Zip	14609-6336
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	12
Legal Description	0059.00 104 18 03748 118 HAYWARD TER SUB
Legal Subdivision	HAYWARD TERRACE
Legal Block	3
Legal Lot Number	25.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1001
Census Tract	5900

Owner

481 Garson Ave is owned by a company that bought it in October 2023.

Source: Monroe County and Rochester City records, as of September 23, 2026

Owner of Record	Company Name on File
Mailing Address	284 COTTAGE ST, ROCHESTER, NY 14611-3754
Owner Type	Company
Vesting	Company

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
Oct 18, 2023	Warranty Deed, Transfer JOSPEH E KENNEDY
Mar 27, 2019	Deed of Trust, Mortgage · Line of Credit ESL FCU
Nov 5, 2021	Warranty Deed, Transfer ABAR ABSTRACT, ABAR ABSTRACT CORP
Jun 30, 2017	Warranty Deed, Transfer · Conventional Mortgage EH BUSINESS ASSOCIATES LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	Nov 5, 2021 · Amount on File
Deed Document Number	2023357
Deed Book / Page	12878 / 525
Transfer Doc	0000001257
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Oct 18, 2023
Property Address	481 GARSON AVE, ROCHESTER, NY 14609-6336
Document Number	0000000357
Book / Page	12878 / 525
Map Reference	LB 7 PG 14
Instrument Date	Oct 2, 2023
Instrument	202310180357
Transaction Type	Transfer
Record Updated	Nov 7, 2023
Title Company	INDEPENDENT TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 PARK AVE S # S73833, S73833, NEW YORK, NY 10003-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 S MAIN ST, FAIRPORT, NY 14450-2517

Mortgage

Document Number	0000000358
Date	Oct 18, 2023
Book Page	30473/177
Instrument	202310180358

Lender

Name	JOSPEH E KENNEDY
Type	Private Party
Address	85 PARK AVE, ROCHESTER, NY 14607

Agreement

Amount	Amount on Record

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	481 GARSON AVE, ROCHESTER, NY 14609-6336
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000732
Date	Mar 27, 2019
Book Page	27965/336
Instrument	201903270732

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
Rate	1.95%
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Nov 5, 2021
Property Address	481 GARSON AVE, ROCHESTER, NY 14609-6336
Document Number	0000001663
Book / Page	12584 / 84
Map Reference	LB 7 PG 14
Instrument Date	Oct 28, 2021
Instrument	202111051663
Transaction Type	Transfer
Record Updated	May 5, 2022
Title Company	ABAR ABSTRACT, ABAR ABSTRACT CORP

Transaction

Amount	Amount on Record
Tax	$188.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 GARSON AVE, 481, ROCHESTER, NY 14609-6336

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502
Investor	Possibly a Property Investor

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jun 30, 2017
Property Address	481 GARSON AVE, ROCHESTER, NY 14609-6336
Document Number	0000000384
Book / Page	011882 / 000367
Instrument Date	Jun 6, 2017
Instrument	384
Transaction Type	Transfer
Record Updated	Jul 11, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 THURSTON RD ROCHESTER NY 146191059, ROCHESTER, NY 14619-1059

Mortgage

Document Number	385
Date	Jun 30, 2017
Book Page	027207/000282
Instrument	385

Lender

Name	EH BUSINESS ASSOCIATES LLC
Address	63 WINSTON RD, BUFFALO, NY 14216-2136

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Jun 29, 2019

Tax Assessment & Valuation

The 2026 property tax bill for 481 Garson Ave was $645, up 29.3% from the year before.

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	$645.00 (+29.26%)
2025	$499.00	$59,000 Land $7,000 Building $52,000	$59,000 Land $7,000 Building $52,000
2023		$40,000 (-) Land $2,900 Building $37,100	$48,193 (+10.84%) Land $3,494 Building $44,699
2022		$40,000 Land $2,900 Building $37,100	$43,478 Land $3,152 Building $40,326

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

Flood

FEMA maps place 481 Garson Ave 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 481 Garson Ave 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	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 378 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
Starlink Satellite	280 / 30

May also be available: Frontier, Greenlight Networks, T-Mobile.

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