97 Middlesex Rd, Rochester, NY 14610 Property Records

Monroe County and Rochester City property record for 97 Middlesex Rd, Rochester, NY 14610

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,637 sqft · built 1907
Lot Size	0.114 acres (5,000 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,787 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`071239-00.0`

Property Details

APN / Parcel Number

Primary APN	`071239-00.0`
Alternative APNs	`140012240000010210000000` `261400 122.40-1-21`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,637 sqft Living Area
1st Floor Area	903 sqft
2nd Floor Area	734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1907
Effective Year Built	Effective 1907
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Slab
Porch Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	071239-00.0
Street Address	97 MIDDLESEX RD
City	ROCHESTER
State	NY
Zip	14610-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	11
Legal Block	1
Legal Lot Number	21.000
Jurisdiction	MONROE NY
Township / Civil Division	ROCHESTER
Census Block Group	3
Census Block	3004
Census Tract	7700

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 Record	2 Individual Names on Record
Mailing Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Line of Credit UNION FEDERAL CREDIT UNION
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit GENESEE CO OP FCU
May 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENESEE CO OP FCU
Apr 28, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2021
Transfer Doc	0000000316
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Recording Date	Oct 7, 2026
Property Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149
Document Number	0003473430
Book / Page	31456 / 383
Instrument Date	Oct 2, 2026
Instrument	20263473430
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149

Mortgage

Document Number	0003473430,
Date	Oct 7, 2026
Book Page	31456/383
Instrument	20263473430

Lender

Name	UNION FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 27, 2046

Interest

Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149
Transaction Type	Mortgage
Record Updated	Aug 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149

Mortgage

Document Number	0000000985
Date	Aug 11, 2023
Book Page	30394/516
Instrument	202308110985

Lender

Name	GENESEE CO OP FCU
Type	Credit Union
Address	ROCHESTER, NY 14620

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONROE NY
Property Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149

Mortgage

Document Number	0000000310
Date	May 4, 2021
Book Page	29183/154
Instrument	202105040310

Lender

Name	GENESEE CO OP FCU
Type	Credit Union
Address	ROCHESTER, NY 14620

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2041

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONROE NY
Recording Date	Apr 28, 2021
Property Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149
Document Number	0000000316
Book / Page	12492 / 350
Map Reference	LB 18 PG 36
Instrument Date	Mar 17, 2021
Instrument	202104280316
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 MIDDLESEX RD, ROCHESTER, NY 14610-1149

Tax Assessment & Valuation

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	$1,787.00 (-6.19%)
2025	$1,905.00	$209,700 (+55.33%) Land $11,300 Building $198,400	$209,700 (+28.93%) Land $11,300 Building $198,400
2023		$135,000 Land $7,700 Building $127,300	$162,651 Land $9,277 Building $153,374

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

Flood

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not 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 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 299 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Frontier.

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