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Single Family ResidenceResidential
$425,876$172 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 71How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

109 RUTGERS ST

ROCHESTER, NY 14607
3
Beds
2
Baths
2,482 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.15 ac
Lot SizeThe size of the land the home sits on, from county records.
1895
Year BuiltThe year the home was originally built, according to county records.
3
StoriesHow many floors the home has above ground.

Valuation

$426K
$304K low$547K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$279,876
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$223,901
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.36%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$146,000
M & T BANK · recorded Jun 16, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,272 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$349,400 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$19,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$330,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$349,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$349,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.30
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
0
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
57
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
71
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
14
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyMonroe
Lot (acres)The size of the land the home sits on, from county records.0.15
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 290 ft²

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
School 23-Francis ParkerC
Elementary · Grades PK–6 · 0.3 mi
M
James Monroe Upper SchoolF
Middle · Grades 9–12 · 0.6 mi

District: Rochester City School District

Neighborhood · ZIP 14607These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.168
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.51

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.33%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.17%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.16,216
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.9,244 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$54,628
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$82,473
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.34 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.51%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

109 Rutgers St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Monroe County
  • Costs less per square foot than 80% of homes in Park Avenue
  • Bigger than 88% of homes in Monroe County
  • Has a smaller lot than 73% of homes in Monroe County
  • Older than 96% of homes in Monroe County

What homes are worth in Rochester 14607

Each bar is how many homes fall in that price range. The marker is this home.

This home
$135K$845K

This home is worth more than 62% of homes in Rochester 14607.

How it measures up in Rochester 14607

The dot is this home. The mark in the middle is the typical home in Rochester 14607.

Estimated value$425,876
CheaperTypical $351,654Pricier

Pricier than 62% of homes nearby

Price per ft²$172
CheaperTypical $190Pricier

Pricier than 36% of homes nearby

Living area2,482 ft²
SmallerTypical 2,604 ft²Bigger

Bigger than 46% of homes nearby

Lot size0.15 ac
SmallerTypical 0.12 acBigger

Bigger than 66% of homes nearby

Year built1895
OlderTypical 1900Newer

Newer than 19% of homes nearby

How 109 Rutgers St ranks against every home in each area.
MeasureThis homePark AvenueRochester 14607Monroe County
Estimated valuepricier than$425,87645% of homes62% of homes83% of homes
Price per ft²pricier than$17220% of homes36% of homes48% of homes
Living areabigger than2,482 ft²37% of homes46% of homes88% of homes
Lot sizebigger than0.15 ac60% of homes66% of homes27% of homes
Year builtnewer than189512% of homes19% of homes4% of homes

About 109 Rutgers St

How much is 109 Rutgers St, Rochester, NY worth?

The TopHap Estimate for 109 Rutgers St, Rochester, NY is $425,876 as of Jul 14, 2026. The likely range is $304,355 to $547,397. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 109 Rutgers St, Rochester, NY last sell?

109 Rutgers St, Rochester, NY last sold on Nov 12, 1996, according to the county's recorded deed.

How big is 109 Rutgers St, Rochester, NY?

109 Rutgers St, Rochester, NY has 3 bedrooms, 2 bathrooms, 2,482 square feet of living space and a 0.15-acre lot.

When was 109 Rutgers St, Rochester, NY built?

109 Rutgers St, Rochester, NY was built in 1895, making it 131 years old. It is a traditional/old home. The building has 3 stories.

What schools serve 109 Rutgers St, Rochester, NY?

109 Rutgers St, Rochester, NY is assigned to School 23-Francis Parker (elementary), rated C; James Monroe Upper School (middle), rated F. All sit in Rochester City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 109 Rutgers St, Rochester, NY compare to other homes in Rochester 14607?

Among the 3,003 homes in Rochester 14607, it is worth more than 62% of them ($425,876 against a typical $351,654), its price per square foot is higher than 36% of them ($172 against a typical $190), it is bigger than 46% of them (2,482 ft² against a typical 2,604 ft²), its lot is bigger than 66% of them (0.15 ac against a typical 0.12 ac) and it is newer than 19% of them (1895 against a typical 1900). Measured against all of Monroe County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 109 Rutgers St, Rochester, NY?

The 2024 property tax bill for 109 Rutgers St, Rochester, NY was $3,272. The county assessed it at $349,400.

More homes on Rutgers St

Closest homes

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Assigned schools

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