Monroe County and Gates Town property record for 55 Elder St, Rochester, NY 14606
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,131 sqft · built 1938 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,164 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 262600 104.18-5-6 |
| Primary APN | 262600 104.18-5-6 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,131 sqft Living Area |
| 1st Floor Area | 754 sqft |
| Upper Floors Area | 377 sqft |
| Game Room | Game Room |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 378 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 84 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 05133000000 |
|---|---|
| Street Address | 55 ELDER ST |
| City | ROCHESTER |
| State | NY |
| Zip | 14606-5607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | 0111- 1-02 20000 AC NERACKER 2 L28 L65 P3 |
| Legal Subdivision | THE GEORGE J NERACKER SUBDIVISION |
| Legal Block | 5 |
| Legal Lot Number | 6.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | GATES |
| Census Block Group | 4 |
| Census Block | 4021 |
| Census Tract | 14302 |
Source: Monroe County and Gates Town 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 | Individual Name on Record |
|---|---|
| Mailing Address | 55 ELDER ST, ROCHESTER, NY 14606-5607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Oct 12, 2021 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jul 20, 2009 |
| Transfer Doc | 0000000575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 55 ELDER ST, ROCHESTER, NY 14606-5607 |
| Transaction Type | Mortgage |
| Record Updated | Jan 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 55 ELDER ST, ROCHESTER, NY 14606-5607 |
| Document Number | 0000000728 |
|---|---|
| Date | Dec 1, 2021 |
| Book Page | 29615/155 |
| Instrument | 202112010728 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 55 ELDER ST, ROCHESTER, NY 14606-5607 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2021 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 55 ELDER ST, ROCHESTER, NY 14606-5607 |
| Document Number | 0000000333 |
|---|---|
| Date | Oct 12, 2021 |
| Book Page | 29507/333 |
| Instrument | 202110121244 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | ROCHESTER, NY 14606 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 16, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Monroe County and Gates Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| County Subdivision | Gates Town |
| Unified School District | Gates-Chili Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,164.00 (+204.83%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,366.00 (+8.84%) | $156,000 (+72.76%) Land $31,500 Building $124,500 | $156,000 (+43.38%) Land $31,500 Building $124,500 |
| 2023 | $90,300 (-) Land $21,200 Building $69,100 | $108,800 (+9.68%) Land $25,543 Building $83,257 | |
| 2022 | $90,300 Land $21,200 Building $69,100 | $99,200 Land $23,289 Building $75,911 | |
| 2021 | $1,255.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 481 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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