Monroe County and Penfield Town property record for 820 Penfield Rd, Rochester, NY 14625
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,232 sqft · built 1938 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,504 (2026) |
| Deeds & Mortgages | Sep 2025 Line of Credit Oct 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 264200 123.18-3-17 |
| Primary APN | 264200 123.18-3-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,232 sqft Living Area |
| 1st Floor Area | 1,434 sqft |
| 2nd Floor Area | 798 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1938 |
|---|---|
| Effective Year Built | Effective 1938 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 25,265 sqft (0.58 acres) |
| Lot Dimensions | 336 ft deep x 94 ft wide |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 648 sqft |
| Porch | Slab |
| Porch Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 00201400000 |
|---|---|
| Street Address | 820 PENFIELD RD |
| City | ROCHESTER |
| State | NY |
| Zip | 14625-2148 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-1-20 |
| Legal Description | 0072-13-04 NAKOMA FMS LPT3 00 |
| Legal Subdivision | THE NAKOMA FARMS SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 17.000 |
| Jurisdiction | MONROE NY |
| Township / Civil Division | PENFIELD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 11604 |
820 Penfield Rd is owned and occupied by an individual who acquired it in January 2005.
Source: Monroe County and Penfield Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| 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.
| Date | Document |
|---|---|
| Sep 8, 2025 | Deed of Trust, Mortgage · Line of Credit ESL FCU |
| Oct 26, 2023 | Deed of Trust, Mortgage · Line of Credit ESL FCU |
| Aug 26, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 25, 2020 | Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 4, 2005 |
| Transfer Doc | 0000000793 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2025 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY CO UPST |
| Name | Verified Name |
|---|
| Document Number | 202503331196 |
|---|---|
| Date | Sep 8, 2025 |
| Book Page | 31131/262 |
| Instrument | 202503331196 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2023 |
| Title Company | STEWART TITLE, STEWART TITLE INS CO UPSTATE |
| Name | Verified Name |
|---|
| Document Number | 0000000698 |
|---|---|
| Date | Oct 26, 2023 |
| Book Page | 30482/214 |
| Instrument | 202310260698 |
| Name | ESL FCU |
|---|---|
| Type | Credit Union |
| Address | ROCHESTER, NY 14604 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Transaction Type | Mortgage |
| Record Updated | Sep 26, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Document Number | 0000000619 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 30033/23 |
| Instrument | 202208260619 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 208 Months |
| Due | Dec 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONROE NY |
| Property Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Title Company | FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 820 PENFIELD RD, ROCHESTER, NY 14625-2148 |
| Document Number | 0000000267 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 28880/429 |
| Instrument | 202011250267 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 820 Penfield Rd was $9,504, up 4.5% from the year before.
Source: Monroe County and Penfield Town assessment roll, as of March 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Monroe County |
| County Subdivision | Penfield Town |
| Unified School District | Penfield Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $9,504.00 (+4.46%) | ||
| 2025 | $9,098.00 | $286,500 Land $68,900 Building $217,600 | $382,000 Land $91,867 Building $290,133 |
| 2023 | $286,500 (-) Land $68,900 Building $217,600 | $304,800 (+6.39%) Land $73,301 Building $231,499 | |
| 2022 | $286,500 Land $68,900 Building $217,600 | $286,500 Land $68,900 Building $217,600 | |
| 2021 | $7,339.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 820 Penfield Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 820 Penfield Rd 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 280 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 | 1,000 / 1,000 |
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