91 E Ridge Rd, Rochester, NY 14621 Property Records

Monroe County and Rochester City property record for 91 E Ridge Rd, Rochester, NY 14621

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,340 sqft · built 1917
Lot Size	0.279 acres (12,189 sqft)
Owner	2 Individual Names on File
Last Sale	$91,000 (Jul 2002)
Tax Bill	$1,807 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`041721-01.0`

Property Details

APN / Parcel Number

Primary APN	`041721-01.0`
Alternative APNs	`140009146000010130000000` `261400 091.46-1-13`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,340 sqft Living Area
1st Floor Area	1,109 sqft
2nd Floor Area	821 sqft
Upper Floors Area	410 sqft
Game Room	Game Room

Exterior

Year Built	Built 1917
Effective Year Built	Effective 1917
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	12,189 sqft (0.279 acres)
Lot Dimensions	150 ft deep x 81.3 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	041721-01.0
Street Address	91 E RIDGE RD
City	ROCHESTER
State	NY
Zip	14621-1305
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Description	0046.01 209 17 00000 A SPIEGELS RE SUB
Legal Block	1
Legal Lot Number	13.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	1
Census Block	1032
Census Tract	4701

Owner

91 E Ridge Rd is owned and occupied by two individuals who bought it in July 2002.

Source: Monroe County and Rochester City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
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
Jun 22, 2026	Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION
Apr 29, 2022	Deed of Trust, Mortgage NEW YORK STATE HOUSING FINANCE AGENCY
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit ESL FCU
Jul 24, 2023	Deed of Trust, Mortgage · Line of Credit ESL FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2002 · Amount on File
Deed Sale	Jul 22, 2002 · Amount on File
Deed Book / Page	9651 / 98
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Jun 22, 2026
Property Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Document Number	0003434514
Book / Page	31353 / 43
Instrument Date	Jun 10, 2026
Instrument	20263434514
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Investor	Possibly a Property Investor

Mortgage

Document Number	0003434514,
Date	Jun 22, 2026
Book Page	31353/43
Instrument	20263434514

Lender

Name	ESL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.36%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Transaction Type	Mortgage
Record Updated	Dec 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000028
Date	Apr 29, 2022
Book Page	29856/550
Instrument	202204290028

Lender

Name	NEW YORK STATE HOUSING FINANCE AGENCY
Type	Government Agency
Address	NEW YORK, NY 10022

Agreement

Amount	Amount on Record

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000477
Date	Jul 24, 2023
Book Page	30370/117
Instrument	202307240477

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

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	91 E RIDGE RD, ROCHESTER, NY 14621-1305
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	STEWART TITLE, STEWART TITLE INS CO UPSTATE

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000000478
Date	Jul 24, 2023
Book Page	30370/127
Instrument	202307240478

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 91 E Ridge Rd was $1,807 with a homeowner's exemption, up 2% from the year before.

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	$1,807.00 (+1.98%) Homeowner's exemption
2025	$1,772.00	$177,900 Land $11,600 Building $166,300	$177,900 Land $11,600 Building $166,300
2023		$107,000 Land $9,800 Building $97,200	$128,916 Land $11,807 Building $117,109

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

Flood

FEMA maps place 91 E Ridge 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	1 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

The area around 91 E Ridge Rd has no burnable land within ember reach, so its wildfire risk is not rated.

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 562 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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