664 Carter St, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 664 Carter St, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,152 sqft · built 1957
Lot Size	0.147 acres (6,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,000 (Sep 2026)
Tax Bill	$983 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`073743-01.0`

Property Details

APN / Parcel Number

Primary APN	`073743-01.0`
Alternative APNs	`140009158000020410000000` `261400 091.58-2-41`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	768 sqft
Upper Floors Area	384 sqft
Game Room	Game Room

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	6,405 sqft (0.147 acres)
Lot Dimensions	105 ft deep x 61 ft wide
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	073743-01.0
Street Address	664 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 M MUN SUBN NO 26 46
Legal Subdivision	MUNICIPAL SUBDIVISION 26 46
Legal Block	2
Legal Lot Number	41.000
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 October 9, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	664 CARTER ST, ROCHESTER, NY 14621-2618
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer · Conventional Mortgage FIVE STAR BANK
Sep 27, 2022	Deed of Trust, Mortgage RELIANT COMMUNITY FCU
Jun 2, 2021	Deed, Transfer · Line of Credit MIDSOUTH RETIREMENT SERVICE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Jun 2, 2021 · Amount on Record
Deed Document Number	20263468285
Deed Book / Page	13234 / 112
Prior Transfer Date	Oct 5, 2019
Prior Transfer Doc	0000001205
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	Sep 23, 2026
Property Address	664 CARTER ST, ROCHESTER, NY 14621-2618
Document Number	0003468285
Book / Page	13234 / 112
Instrument Date	Aug 26, 2026
Instrument	20263468285
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$79,992.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 CARTER ST, ROCHESTER, NY 14621-2618

Mortgage

Document Number	0000008286,
Date	Sep 23, 2026
Instrument	20268286

Lender

Name	FIVE STAR BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0003468287,
Date	Sep 23, 2026
Book Page	31443/503
Instrument	20263468287

Lender

Name	CITY OF ROCHESTER

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	664 CARTER ST, ROCHESTER, NY 14621-2618
Transaction Type	Mortgage
Record Updated	Jun 13, 2023
Title Company	CROSSROADS ABSTRACT INC, CROSSROADS ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000272
Date	Sep 27, 2022
Book Page	30072/117
Instrument	202209270272

Lender

Name	RELIANT COMMUNITY FCU
Type	Credit Union
Address	SODUS, NY 14551

Agreement

Amount	Amount Recorded

June 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	MONROE NY
Recording Date	Jun 2, 2021
Property Address	664 CARTER ST, ROCHESTER, NY 14621-2618
Document Number	0000000444
Book / Page	12508 / 453
Map Reference	LB 96 PG 87
Instrument Date	Apr 27, 2021
Instrument	202106020444
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	STEWART TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	664 CARTER ST, ROCHESTER, NY 14621-2618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 GOLDENSTAR LN, GREER, SC 29651-7623

Mortgage

Document Number	0000000445
Date	Jun 2, 2021
Book Page	29244/235
Instrument	202106020445

Lender

Name	MIDSOUTH RETIREMENT SERVICE LLC
Type	Non-Lending Institution
Address	PENFIELD, NY 14526

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	35 Months
Due	May 1, 2024

Interest

Rate	9.5%

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	$983.00 (-0.91%)
2025	$992.00	$110,000 (+71.07%) Land $13,800 Building $96,200	$110,000 (+41.99%) Land $13,800 Building $96,200
2023		$64,300 Land $6,400 Building $57,900	$77,470 Land $7,711 Building $69,759

Assessed value is set for property tax purposes, not a market price estimate; it is 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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