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Single Family ResidenceResidential
$146,608$127 / 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 88How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026

640 CARTER ST

ROCHESTER, NY 14621
4
Beds
1
Baths
1,152 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.
0.21 ac
Lot SizeThe size of the land the home sits on, from county records.
1947
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$147K
$130K low$164K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$581 (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.$124,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$15,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$108,800
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$124,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$124,000

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.29
1
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.
73
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.
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.Cape Cod
CountyMonroe
Lot (acres)The size of the land the home sits on, from county records.0.21
HeatingThe type of heating system in the home.Forced Air
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 · 96 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

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

E
School 50-Helen Barrett MontgomeryF
Elementary · Grades PK–6 · 1.0 mi
H
School 58-World of Inquiry SchoolF
High · Grades PK–12 · 2.0 mi

District: Rochester City School District

Neighborhood · ZIP 14621These 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.147
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 100.55

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.91%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.8.0%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.30%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.7%
PopulationHow many people live in this area.32,090
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.7,818 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$34,525
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$49,455
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%

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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

640 Carter 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 less than 89% of homes in Monroe County
  • Costs more per square foot than 84% of homes in Rochester 14621
  • Smaller than 87% of homes in Monroe County
  • Has a bigger lot than 94% of homes in Rochester 14621
  • Newer than 84% of homes in Rochester 14621

What homes are worth in Rochester 14621

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

This home
$45K$250K

This home is worth more than 78% of homes in Rochester 14621.

How it measures up in Rochester 14621

The dot is this home. The mark in the middle is the typical home in Rochester 14621.

Estimated value$146,608
CheaperTypical $104,573Pricier

Pricier than 78% of homes nearby

Price per ft²$127
CheaperTypical $79Pricier

Pricier than 84% of homes nearby

Living area1,152 ft²
SmallerTypical 1,422 ft²Bigger

Bigger than 18% of homes nearby

Lot size0.21 ac
SmallerTypical 0.11 acBigger

Bigger than 94% of homes nearby

Year built1947
OlderTypical 1920Newer

Newer than 84% of homes nearby

How 640 Carter St ranks against every home in each area.
MeasureThis homeRochester 14621Monroe County
Estimated valuepricier than$146,60878% of homes11% of homes
Price per ft²pricier than$12784% of homes18% of homes
Living areabigger than1,152 ft²18% of homes13% of homes
Lot sizebigger than0.21 ac94% of homes38% of homes
Year builtnewer than194784% of homes33% of homes

About 640 Carter St

How much is 640 Carter St, Rochester, NY worth?

The TopHap Estimate for 640 Carter St, Rochester, NY is $146,608 as of Sep 24, 2026. The likely range is $129,549 to $163,667. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 640 Carter St, Rochester, NY?

640 Carter St, Rochester, NY has 4 bedrooms, 1 bathrooms, 1,152 square feet of living space and a 0.21-acre lot.

When was 640 Carter St, Rochester, NY built?

640 Carter St, Rochester, NY was built in 1947, making it 79 years old. It is a cape cod home. The building has 2 stories.

What schools serve 640 Carter St, Rochester, NY?

640 Carter St, Rochester, NY is assigned to School 50-Helen Barrett Montgomery (elementary), rated F; School 58-World of Inquiry School (high), rated F. All sit in Rochester City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 640 Carter St, Rochester, NY compare to other homes in Rochester 14621?

Among the 7,935 homes in Rochester 14621, it is worth more than 78% of them ($146,608 against a typical $104,573), its price per square foot is higher than 84% of them ($127 against a typical $79), it is bigger than 18% of them (1,152 ft² against a typical 1,422 ft²), its lot is bigger than 94% of them (0.21 ac against a typical 0.11 ac) and it is newer than 84% of them (1947 against a typical 1920). Measured against all of Monroe County, it is worth more than 11% 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 640 Carter St, Rochester, NY?

The 2024 property tax bill for 640 Carter St, Rochester, NY was $581. The county assessed it at $124,000.

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