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786 Exchange St, Rochester, NY 14608 Property Records

Monroe County and Rochester City property record for 786 Exchange St, Rochester, NY 14608

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,554 sqft · built 1900
Lot Size0.07 acres (3,072 sqft)
OwnerCompany Name on Record
Last Sale$80,000 (Aug 2022)
Tax Bill$903 (2026)
Deeds & MortgagesOct 2023 Mortgage
Dec 2020 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN057056-01.0

Property Details

APN / Parcel Number

Primary APN057056-01.0
Alternative APNs
  • 140012169000030160000000
  • 261400 121.69-3-16

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,554 sqft Living Area
1st Floor Area777 sqft
2nd Floor Area777 sqft
Game RoomGame Room

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area3,072 sqft (0.07 acres)
Lot Dimensions47.7 ft deep x 64.4 ft wide
PorchSlab
Porch Area180 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemCentral
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number057056-01.0
Street Address786 EXCHANGE ST
CityROCHESTER
StateNY
Zip14608-2750
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code12
Legal Description0065.00 403 19 00000 PT 38 1/2 WORCESTER
Legal Block3
Legal Lot Number16.000
JurisdictionMONROE NY
Township / Civil DivisionROCHESTER
Census Block Group2
Census Block2008
Census Tract6500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Mount Hope-Highland Historic District (Boundary Increase)
listed 2024 · 219 contributing resources · NRIS 74001261

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 RecordCompany Name on Record
Mailing AddressPO BOX 484, PITTSFORD, NY 14534-0484
Owner TypeCompany
VestingCompany

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2023Deed of Trust, Mortgage
THE LYONS NATIONAL BANK
Dec 9, 2020Deed of Trust, Mortgage · Commercial Mortgage
THE CANANDAIGUA NATIONAL BANK & TRUST CO
Dec 9, 2020Deed of Trust, Mortgage · Commercial Mortgage
THE CANANDAIGUA NATIONAL BANK & TRUST CO
Aug 25, 2022Warranty Deed, Transfer
ERIC ONDERDONK
Jun 21, 2018Warranty Deed, Transfer
JOSEPH E KENNEDY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 25, 2022 · Amount on Record
Deed SaleAug 25, 2022 · Amount on Record
Prior SaleJun 21, 2018 · Amount on Record
Deed Document Number2022186
Deed Book / Page12711 / 283
Prior Transfer DateJan 29, 2003
Prior Transfer Doc0000000614
Record UpdatedOct 29, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE NY
Property Address786 EXCHANGE ST, ROCHESTER, NY 14608-2750
Transaction TypeMortgage
Record UpdatedNov 10, 2023
Title CompanyEVOLUTION TITLE AGENCY, REVOLUTION TITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 484, PITTSFORD, NY 14534-0484

Mortgage

Document Number0000001023
DateOct 27, 2023
Book Page30484/185
Instrument202310271023
Lender
NameTHE LYONS NATIONAL BANK
TypeBank
AddressGENEVA, NY 14456
Agreement
AmountAmount Recorded

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE NY
Property Address786 EXCHANGE ST, ROCHESTER, NY 14608-2750
Transaction TypeMortgage
Record UpdatedMay 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000316
DateDec 9, 2020
Book Page28903/596
Instrument202012090316
Lender
NameTHE CANANDAIGUA NATIONAL BANK & TRUST CO
TypeBank
AddressCANANDAIGUA, NY 14424
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

December 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMONROE NY
Property Address786 EXCHANGE ST, ROCHESTER, NY 14608-2750
Transaction TypeMortgage
Record UpdatedMay 5, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000000314
DateDec 9, 2020
Book Page28903/582
Instrument202012090314
Lender
NameTHE CANANDAIGUA NATIONAL BANK & TRUST CO
TypeBank
AddressCANANDAIGUA, NY 14424
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE NY
Recording DateAug 25, 2022
Property Address786 EXCHANGE ST, ROCHESTER, NY 14608-2750
Document Number0000000186
Book / Page12711 / 283
Instrument DateMar 22, 2022
Instrument202208250186
Transaction TypeTransfer
Record UpdatedSep 22, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$320.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address178 S MAIN ST, 178, FAIRPORT, NY 14450-2713

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 484, PITTSFORD, NY 14534-0484

Mortgage

Document Number0000000187
DateAug 25, 2022
Instrument202208250187
Lender
NameERIC ONDERDONK
TypePrivate Party
Agreement
AmountAmount Recorded
Term361 Months
DueSep 1, 2052

June 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMONROE NY
Recording DateJun 21, 2018
Property Address786 EXCHANGE ST, ROCHESTER, NY 14608-2750
Document Number0000000439
Book / Page012042 / 000020
Instrument DateJun 1, 2018
Instrument439
Transaction TypeTransfer
Record UpdatedJul 13, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$150.40
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address178 S MAIN ST FAIRPORT NY 144502713, FAIRPORT, NY 14450-2713

Mortgage

Document Number440
DateJun 21, 2018
Book Page027645/000493
Instrument440
Lender
NameJOSEPH E KENNEDY
Agreement
AmountAmount Recorded

Tax Assessment & Valuation

Source: Monroe County and Rochester City assessment roll, as of March 30, 2026

Property Jurisdictions

TypeName
StateNew York
CountyMonroe County
MunicipalityRochester City
Unified School DistrictRochester City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$903.00 (-3.73%)
2025$938.00$90,600 (+140.96%) Land $3,400 Building $87,200$90,600 (+1%) Land $3,400 Building $87,200
2023$37,600 Land $1,300 Building $36,300$45,301 Land $1,566 Building $43,735

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot 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 RiskLow
lower than 98% of the US · lower than 97.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemROCHESTER CITY
serves 210,000 people · EPA ID NY2704518
Water SourceSurface water
Last State InspectionDec 2025
Lead6 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureCorrosion control
currently in violation since Jan 2025
Monitoring and ReportingNone
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 686 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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