9 Cold Spring Cir, Rochester, NY 14624 Property Records

Monroe County and Gates Town property record for 9 Cold Spring Cir, Rochester, NY 14624

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,106 sqft · built 1986
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (May 2026)
Tax Bill	$6,584 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`COM-0006297`

Property Details

APN / Parcel Number

Primary APN	`COM-0006297`
Alternative APNs	`26001181800002003000` `262600 118.18-2-3`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,106 sqft Living Area
1st Floor Area	1,106 sqft
Game Room	Game Room

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	167 ft deep x 82.5 ft wide
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	280 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	COM-0006297
Street Address	9 COLD SPRING CIR
City	ROCHESTER
State	NY
Zip	14624-2451
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	LOT 1 TWP 1 SH RNG COLD SPRINGS L-3 235-35
Legal Block	2
Legal Lot Number	3.000
Jurisdiction	MONROE NY
Township / Civil Division	GATES
Census Block Group	3
Census Block	3004
Census Tract	14202

Owner

9 Cold Spring Cir is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	3258 WINTON RD S, Q11, ROCHESTER, NY 14623-5950
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
May 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
May 1, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE ACCEPTANCE
Aug 30, 2023	Deed of Trust, Mortgage · Unknown ESL FCU
Aug 30, 2023	Deed of Trust, Mortgage · Line of Credit ESL FCU
Dec 31, 2018	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2026 · Amount on File
Deed Sale	May 1, 2026 · Amount on File
Deed Document Number	20263415446
Deed Book / Page	13190 / 104
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	May 1, 2026
Property Address	9 COLD SPRING CIR, ROCHESTER, NY 14624-2451
Document Number	0003415447
Book / Page	31312 / 248
Instrument Date	Apr 30, 2026
Instrument	20263415447
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205

Mortgage

Document Number	0003415447,
Date	May 1, 2026
Book Page	31312/248
Instrument	20263415447

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONROE NY
Recording Date	May 1, 2026
Property Address	9 COLD SPRING CIR, ROCHESTER, NY 14624-2451
Document Number	0003415446
Book / Page	13190 / 104
Instrument Date	Apr 21, 2026
Instrument	20263415446
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$115,140.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005447,
Date	May 1, 2026
Instrument	20265447

Lender

Name	AMERICAN MORTGAGE ACCEPTANCE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	9 COLD SPRING CIR, ROCHESTER, NY 14624-2451
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000812
Date	Aug 30, 2023
Book Page	30416/364
Instrument	202308300812

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Unknown
Amount	Amount on Record

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	9 COLD SPRING CIR, ROCHESTER, NY 14624-2451
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000811
Date	Aug 30, 2023
Book Page	30416/355
Instrument	202308300811

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	9 COLD SPRING CIR, ROCHESTER, NY 14624-2451
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000173
Date	Dec 31, 2018
Book Page	27882/210
Instrument	201812310173

Lender

Name	ESL FCU
Type	Credit Union
Address	ROCHESTER, NY 14604

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 9 Cold Spring Cir was $6,584 with a homeowner's exemption, up 22.3% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,584.00 (+22.33%) Homeowner's exemption
2025	$5,382.00	$207,900 Land $38,500 Building $169,400	$207,900 Land $38,500 Building $169,400
2023		$129,100 (-) Land $27,200 Building $101,900	$155,500 (+9.58%) Land $32,762 Building $122,738
2022		$129,100 Land $27,200 Building $101,900	$141,900 Land $29,897 Building $112,003
2021	$4,995.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 9 Cold Spring Cir 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
Flood Insurance Cost	Premium on File median of 47 policies
Nearby Flood Policies	47 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

Wildfire risk around 9 Cold Spring Cir 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 97% of the US · lower than 96% 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 282 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	300 / 20

May also be available: Frontier.

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