656 Carter St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 656 Carter St, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,393 sqft · built 1957
Lot Size	0.147 acres (6,405 sqft)
Owner	Individual Name on Record
Last Sale	$155,900 (Nov 2022)
Tax Bill	$1,541 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`073744-01.0`

Property Details

APN / Parcel Number

Primary APN	`073744-01.0`
Alternative APNs	`140009158000020420000000` `261400 091.58-2-42`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,393 sqft Living Area
1st Floor Area	1,000 sqft
Upper Floors Area	393 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	6,405 sqft (0.147 acres)
Lot Dimensions	105 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	315 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	073744-01.0
Street Address	656 CARTER ST
City	ROCHESTER
State	NY
Zip	14621-2618
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0081.00 110 22 00000 N MUN SUBN 26 46
Legal Subdivision	MUNICIPAL SUBIDIVISION
Legal Block	2
Legal Lot Number	42.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1007
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	656 CARTER ST, ROCHESTER, NY 14621-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ESL FCU
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage ADVANTAGE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Jul 7, 1995 · Amount on Record
Deed Document Number	2022850
Deed Book / Page	12748 / 444
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Nov 21, 2022
Property Address	656 CARTER ST, ROCHESTER, NY 14621-2618
Document Number	0000000850
Book / Page	12748 / 444
Map Reference	LB 96 PG 87
Instrument Date	Nov 2, 2022
Instrument	202211210850
Transaction Type	Transfer
Record Updated	Dec 14, 2022
Title Company	WEBTITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$624.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	656 CARTER ST, ROCHESTER, NY 14621-2618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	656 CARTER ST, ROCHESTER, NY 14621-2618

Mortgage

Document Number	0000000851
Date	Nov 21, 2022
Instrument	202211210851

Lender

Name	ESL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	656 CARTER ST, ROCHESTER, NY 14621-2618
Transaction Type	Mortgage
Record Updated	May 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000455
Date	Dec 28, 2017
Instrument	201712280455

Lender

Name	ADVANTAGE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 31, 2023

Interest

Rate Type	Fixed Rate

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	$1,541.00 (-0.9%)
2025	$1,555.00	$166,300 (+127.81%) Land $13,800 Building $152,500	$166,300 (+89.08%) Land $13,800 Building $152,500
2023		$73,000 (-) Land $6,400 Building $66,600	$87,952 (+10.84%) Land $7,711 Building $80,241
2022		$73,000 Land $6,400 Building $66,600	$79,348 Land $6,957 Building $72,391

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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