653 Carter St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 653 Carter St, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,486 sqft · built 1882
Lot Size	0.13 acres (5,700 sqft)
Owner	Individual Name on Record
Last Sale	$85,000 (Dec 2019)
Tax Bill	$1,263 (2026)
Deeds & Mortgages	Dec 2019 Sale & Mortgage Jan 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`073704-00.0`

Property Details

APN / Parcel Number

Primary APN	`073704-00.0`
Alternative APNs	`140009158000020280000000` `261400 091.58-2-28`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,486 sqft Living Area
1st Floor Area	743 sqft
2nd Floor Area	743 sqft
Game Room	Game Room

Exterior

Year Built	Built 1882
Effective Year Built	Effective 1882
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,700 sqft (0.13 acres)
Lot Dimensions	95 ft deep x 60 ft wide
Porch	Slab
Porch Area	189 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073704-00.0
Street Address	653 CARTER ST
City	ROCHESTER
State	NY
Zip	14621-2617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0081.00 406 22 00000 69 MAPLEWOOD AMD SUB
Legal Subdivision	MAP OF MAPLEWOOD
Legal Block	2
Legal Lot Number	28.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	2
Census Block	2003
Census Tract	8100

Owner

Source: Monroe County and Rochester City 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	653 CARTER ST, ROCHESTER, NY 14621-2617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2019	Warranty Deed, Transfer · Conventional Mortgage FIVE STAR BANK
Jan 17, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Jan 17, 2019 · Amount on Record
Deed Document Number	20191230
Deed Book / Page	12287 / 685
Record Updated	Oct 29, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Dec 20, 2019
Property Address	653 CARTER ST, ROCHESTER, NY 14621-2617
Document Number	0000001230
Book / Page	12287 / 685
Map Reference	LB 44 PG 25
Instrument Date	Nov 27, 2019
Instrument	201912201230
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	653 CARTER ST, 653, ROCHESTER, NY 14621-2617

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 CARTER ST, ROCHESTER, NY 14621-2617

Mortgage

Document Number	0000001231
Date	Dec 20, 2019
Instrument	201912201231

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Mortgage

Document Number	0000001232
Date	Dec 20, 2019
Book Page	28331/499
Instrument	201912201232

Lender

Name	CITH OF ROCHESTER
Type	Non-Lending Institution
Address	ROCHESTER, NY 14614

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Jan 17, 2019
Property Address	653 CARTER ST, ROCHESTER, NY 14621-2617
Document Number	0000000902
Book / Page	012136 / 000680
Instrument Date	Jan 4, 2018
Instrument	902
Transaction Type	Transfer
Record Updated	Feb 4, 2019

Transaction

Amount	Amount Recorded
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	52 SHORECLIFF DR GREECE NY 146123918, GREECE, NY 14612-3918

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
2026	$1,263.00 (-2.7%)
2025	$1,298.00	$142,200 (+89.6%) Land $12,000 Building $130,200	$142,200 (+57.37%) Land $12,000 Building $130,200
2023		$75,000 Land $6,200 Building $68,800	$90,361 Land $7,470 Building $82,891

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

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 331 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 · 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.

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