78 Thurlow Ave, Rochester, NY 14609 Property Records

Monroe County and Irondequoit Town property record for 78 Thurlow Ave, Rochester, NY 14609

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,434 sqft · built 1956
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,352 (2026)
Deeds & Mortgages	Feb 2026 Refinance Feb 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`263400 107.08-3-45`

Property Details

APN / Parcel Number

Primary APN	`263400 107.08-3-45`
Alternative APNs	`34001070800003045000` `02217150000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,434 sqft Living Area
1st Floor Area	744 sqft
2nd Floor Area	690 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	157 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	02217150000
Street Address	78 THURLOW AVE
City	ROCHESTER
State	NY
Zip	14609-5906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	0006-13-07 WINTON VLG LR42 01
Legal Block	3
Legal Lot Number	45.000
Jurisdiction	MONROE NY
Township / Civil Division	IRONDEQUOIT
Census Block Group	1
Census Block	1002
Census Tract	11100

Owner

78 Thurlow Ave is owned and occupied by two individuals who acquired it in June 2024.

Source: Monroe County and Irondequoit Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	78 THURLOW AVE, ROCHESTER, NY 14609-5906
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Refinance RELIANCE FIRST CAPITAL LLC
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2024
Deed Sale	Jun 18, 2024
Deed Document Number	202457
Deed Book / Page	12968 / 673
Prior Transfer Date	Jun 10, 2024
Prior Transfer Doc	0000000057
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	78 THURLOW AVE, ROCHESTER, NY 14609-5906
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 THURLOW AVE, ROCHESTER, NY 14609-5906

Mortgage

Document Number	202603384949
Date	Feb 17, 2026
Book Page	31255/23
Instrument	202603384949

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate	6.75%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	78 THURLOW AVE, ROCHESTER, NY 14609-5906
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	MIS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 THURLOW AVE, ROCHESTER, NY 14609-5906

Mortgage

Document Number	202603384948
Date	Feb 17, 2026
Book Page	31255/1
Instrument	202603384948

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 78 Thurlow Ave was $7,352, up 3.2% from the year before.

Source: Monroe County and Irondequoit Town assessment roll, as of March 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Monroe County
County Subdivision	Irondequoit Town
Unified School District	East Irondequoit Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,352.00 (+3.24%)
2025	$7,121.00	$178,000 Land $38,000 Building $140,000	$211,900 Land $45,237 Building $166,663
2023		$178,000 (+35.88%) Land $38,000 Building $140,000	$178,000 (+6.02%) Land $38,000 Building $140,000
2022		$131,000 Land $33,300 Building $97,700	$167,900 Land $42,680 Building $125,220
2021	$6,766.00

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

Flood

FEMA maps place 78 Thurlow Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 27, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 78 Thurlow Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 94% 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.

Drinking Water

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

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 391 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
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, Frontier.

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