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    225 Chestnut St Rochester, NY 14604-2426
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    Property profile & analytics

    225 Chestnut St, Rochester, NY 14604-2426

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    • Banks
    • 151,590 SF
    • 1.14 lot acres
    Off-Market
    Property ID
    US63-3428189
    The Realmo ID is a unique identifier assigned to every property, incorporating country codes and precise geo-coordinates for 300x300-foot land blocks. It enables standardized data collection and seamless integration of disparate sources such as ownership, tax, title data and physical specifications. By aggregating current and historical records, the Realmo ID powers advanced analytics and delivers deep, verifiable insights for real estate professionals.
    Value Estimations
    $3,375,000
    Cap Rate Potential
    Location Intelligence

    Current Use by Public Records

    • ESL Investment Services, LLC / Bank / Credit Union
    • ESL Federal Credit Union (Headquarters) / Bank / Credit Union
    • FedEx Drop Box / Postal Service / Courier Service

    Property Details for 225 Chestnut St

    Year built
    2009
    Lot size
    1.14 lot acres
    Property type
    Banks
    APN
    261400 121.32-2-21.003
    APU
    26140012132221003

    Sales History

    Date Price Buyer Seller Deed Type Mortgage
    Feb 2, 2026 — Yurisan Copa — Deed · related $53k · Esl FCU
    Jan 16, 2026 — Tamiya M Powell — Deed · related $11k · Esl FCU
    Jan 7, 2026 — Freddie J Gause — Deed · related $5k · Esl FCU
    Jan 2, 2026 — Vance Tucker — Deed · related $21k · Esl FCU
    Dec 29, 2025 — Michelle A Thomas — Deed · related $11k · Esl FCU
    Dec 1, 2025 — Jennifer Foster — Deed · related $50k · Esl FCU
    Nov 26, 2025 — Paul Seeger — Deed · related $63k · Esl FCU
    Oct 20, 2025 — Khmiphay Sithirajvongsa — Deed · related $23k · Esl FCU
    Oct 3, 2025 — Kamilla D Claiborne — Deed · related $21k · Esl FCU
    May 28, 2025 — Elliot Alvarez — Deed · related $7k · Esl FCU
    May 1, 2025 — Justin H Perry — Deed · related $30k · Esl FCU
    Apr 4, 2025 — Loida Ofarril Santiago — Deed · related $11k · Esl FCU
    Apr 2, 2025 — Yamilka Orasma Garcia — Deed · related $64k · Esl FCU
    Mar 21, 2025 — Vanessa Emoverere Ajaero — Deed · related $20k · Esl FCU
    Mar 18, 2025 — Matthew Stephen Plessinger — Deed · related $20k · Esl FCU
    Mar 17, 2025 — Tanesha Donyae Laing — Deed · related $11k · Esl FCU
    Mar 10, 2025 — Rafael Nieves — Deed · related $11k · Esl FCU
    Mar 4, 2025 — Jennifer Laurri — Deed · related $20k · Esl FCU
    Jan 17, 2025 — Justin D Mcgill — Deed · related $11k · Esl FCU
    Dec 27, 2024 — Andrew E Colon — Deed · related $11k · Esl FCU
    Dec 26, 2024 — Jessica A Jackson — Deed · related $11k · Esl FCU
    Oct 22, 2024 — Marangely Torres — Deed · related $20k · Esl FCU
    Oct 17, 2024 — Abigail Rodriguez — Deed · related $11k · Esl FCU
    Oct 16, 2024 — Micheon Parker — Deed · related $11k · Esl FCU
    Oct 4, 2024 — Triniece E Canty — Deed · related $11k · Esl FCU
    Sep 19, 2024 — Josiveth Perez — Deed · related $11k · Esl FCU
    Sep 3, 2024 — Jermaine B Wedderburn — Deed · related $11k · Esl FCU
    Aug 26, 2024 — Julie Chapman — Deed · related $75k · Esl FCU
    Jun 28, 2024 — Bercia M Saltibus — Deed · related $11k · Esl FCU
    Jun 14, 2024 — Barbara N Hunter — Deed · related $11k · Esl FCU
    Jun 11, 2024 — Jose O Soto Beltran — Deed · related $20k · Esl FCU
    May 31, 2024 — Carl A Carter — Deed · related $20k · Esl FCU
    May 30, 2024 — Apple Country Storage LLC — Deed · related $650k · Esl FCU
    May 6, 2024 — Marquan E Hale — Deed · related $11k · Esl FCU
    Apr 16, 2024 — Ayana N Mcculler — Deed · related $11k · Esl FCU
    Apr 12, 2024 — Antonio J Navedo — Deed · related $11k · Esl FCU
    Apr 5, 2024 — Wendy J Blanc — Deed · related $20k · Esl FCU
    Apr 4, 2024 — Sandra I Sanchez Ortiz — Deed · related $20k · Esl FCU
    Apr 2, 2024 — Stephanie R Price — Deed · related $20k · Esl FCU
    Mar 29, 2024 — I Lora Valerio Yubelkis — Deed · related $20k · Esl FCU
    Mar 13, 2024 — Jessica Elizabeth Daugherty — Deed · related $20k · Esl FCU
    Mar 11, 2024 — Aaron R Montanari — Deed · related $20k · Esl FCU
    Mar 6, 2024 — Jacob D Kidney — Deed · related $20k · Esl FCU
    Feb 16, 2024 — Izaac A Ochoa — Deed · related $11k · Esl FCU
    Jan 31, 2024 — Jenna N Lawson — Deed · related $20k · Esl FCU
    Jan 29, 2024 — Marie Chatman — Deed · related $20k · Esl FCU
    Jan 26, 2024 — Danielle M Lincoln — Deed · related $72k · Esl FCU
    Jan 9, 2024 — Sara L Rohena Alvarez — Deed · related $11k · Esl FCU
    Dec 22, 2023 — Christine N Casalinuovo — Deed · related $113k · Esl FCU
    Dec 21, 2023 — Beth Dobbs — Deed · related $10k · Esl FCU
    Nov 29, 2023 — Antonio E Ortiz Potter — Deed · related $11k · Esl FCU
    Nov 3, 2023 — Miguel A Troche Delgado — Deed · related $11k · Esl FCU
    Oct 13, 2023 — Jared A Torres — Deed · related $11k · Esl FCU
    Oct 2, 2023 — Dolores B Frazer — Deed · related $11k · Esl FCU
    Sep 21, 2023 — Adelaida Andino — Deed · related $11k · Esl FCU
    Sep 8, 2023 — Innovation Partners Roc LLC — Deed · related $5M · Esl FCU
    Aug 4, 2023 — Anthony E Allen — Deed · related $11k · Esl FCU
    Aug 1, 2023 — Jarlene Serrano — Deed · related $11k · Esl FCU
    Jul 28, 2023 — Jessica Y Vicente — Deed · related $11k · Esl FCU
    Jul 25, 2023 — Monet Simpson — Deed · related $11k · Esl FCU
    Jun 28, 2023 — Asad A Nur — Deed · related $10k · Esl FCU
    Jun 15, 2023 — Wendy Seefried — Deed · related $46k · Esl FCU
    Jun 14, 2023 — Alex Diaz — Deed · related $10k · Esl FCU
    Jun 12, 2023 — Lachonda R Potter — Deed · related $11k · Esl FCU
    Jun 7, 2023 — Jan L Rosa Barroso — Deed · related $10k · Esl FCU
    May 31, 2023 — Sherine N Balkman — Deed · related $10k · Esl FCU
    May 24, 2023 — Whitney L Brice — Deed · related $10k · Esl FCU
    May 22, 2023 — Joshua K Lambert — Deed · related $10k · Esl FCU
    May 19, 2023 — Robin K Warner — Deed · related $10k · Esl FCU
    May 16, 2023 — Tomas M Ortiz Potter — Deed · related $11k · Esl FCU
    Mar 8, 2023 — Nelson Viera JR — Deed · related $11k · Esl FCU
    Feb 28, 2023 — Destiny M Brumfield — Deed · related $11k · Esl FCU
    Feb 3, 2023 — Torres Feliciano Jahirym — Deed · related $11k · Esl FCU
    Nov 2, 2022 — Justin L Allen — Deed · related $10k · Esl FCU
    Oct 12, 2022 — Wanda Perez Extien — Deed · related $11k · Esl FCU
    Sep 30, 2022 — Latosha M Sharpe — Deed · related $11k · Esl FCU
    Sep 23, 2022 — Terrance W Green — Deed · related $11k · Esl FCU
    Sep 1, 2022 — Betsy N Heben — Deed · related $11k · Esl FCU
    Jul 14, 2022 — Jeffrey A Warren — Deed · related $10k · Esl FCU
    Jun 30, 2022 — Alex A Rojas — Deed · related $10k · Esl FCU
    Jun 23, 2022 — Kyle P Podlaski — Deed · related $10k · Esl FCU
    Jun 21, 2022 — Letishiris O Nieves — Deed · related $10k · Esl FCU
    Jun 10, 2022 — Maxwell Howe — Deed · related $10k · Esl FCU
    May 16, 2022 — Steven J Hibbs — Deed · related $21k · Esl FCU
    May 9, 2022 — Kemor A Lawrence — Deed · related $10k · Esl FCU
    Jan 11, 2022 — David P Frisk — Deed · related $116k · Esl FCU
    Jul 26, 2021 — Glenn Robinson — Deed · related $25k · Esl FCU
    May 6, 2021 — Ifl Property LLC — Deed · related $126k · Esl FCU
    May 4, 2021 — Nicole M Rawls — Deed · related $100k · Esl FCU
    Feb 19, 2021 — Patrick D Gingello — Deed · related $107k · Esl FCU
    Feb 9, 2021 — Edward J Hilton — Deed · related $64k · Esl FCU
    Nov 5, 2020 — Linda A Whelehan — Deed · related $40k · Esl FCU
    Aug 12, 2020 — John P O'gorman — Deed · related $115k · Esl FCU
    Feb 11, 2019 $18,388 Malcolm A Bundy Dgm LLC Grant Deed · related —
    Jun 30, 2008 $743,000 Esl FCU Rochester Urban Renewal Agency Grant Deed —
    — — Linda A Whelehan — Loan Modification · related $40k · Esl FCU
    — — John P O'gorman — Loan Modification · related $115k · Esl FCU

    Value Estimations

    based on Realmo’s proprietary methodology

    • AI approach

    • CAP approach

    • Comparable approach

    • Alternative Use

    Get a detailed, property-specific estimation — fast and free

    Location Insight

    • Map
    • Local Demand
    City
    Rochester
    County
    Monroe
    State
    New York
    Longitude
    -77.6033
    Latitude
    43.1526
    CBSA code
    40380
    CBSA name
    ROCHESTER, NY METROPOLITAN STATISTICAL AREA

    Property Tax & Assessments

    Tax date
    Tax Amount
    Assessed Land Value
    Assessed Improvement Value
    Total Assessed Value
    Applied Tax Rate
    Land Market Value
    Improvement Market Value
    Total Market Value
    0
    $0.00
    $515,000
    $16,485,000
    $17,000,000
    -
    $620,482
    $19,861,446
    $20,481,928

    Comparable in this City

    • Value Estimation
      $7,150,000
      350,448 SF

      100 Chestnut St

      FINANCIAL BUILDING
      100 Chestnut St, Rochester, NY 14604-2419
      View Details
    • Value Estimation by Request
      227,440 SF

      111 East Ave

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      111 East Ave, Rochester, NY 14604
      View Details
    • Value Estimation by Request
      20,100 SF

      130 East Ave

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      130 East Ave, Rochester, NY 14604
      View Details
    • Value Estimation by Request
      30,445 SF

      339 East Ave

      Office Spaces
      339 East Ave, Rochester, NY 14604
      View Details
    • Value Estimation by Request
      0.25 Acres

      500 Main St

      PARKING LOT
      500 Main St, Rochester, NY 14604-2511
      View Details
    • Value Estimation by Request
      0.20 Acres

      8 Franklin Ct

      PARKING LOT
      8 Franklin Ct, Rochester, NY 14604
      View Details

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    225 Chestnut St
    Rochester, NY 14604-2426
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    Realmo Value Estimations

    Realmo estimates a property’s market value using a proprietary methodology that incorporates public data and user-submitted information. This cumulative value is generated by integrating a variety of conventional and innovative methods. 

    Disclaimer

    These figures are not official appraisals and should not be used as a substitute for a valuation performed by a licensed appraiser.
    Actual market value may differ due to factors not captured in the data. Estimates are offered for informational purposes only, and users should conduct independent research before making financial or investment decisions.
    By using this feature, you acknowledge that Realmo is not responsible for actions taken based on these estimates.

    AI approach

    Realmo AI Method estimates property value using machine learning models trained on millions of comparable listings, transactions, and market signals. It analyzes property features, location intelligence data, and current market dynamics to predict the most probable market value in real time.

    Realmo CapRate Calculation

    Realmo calculates the Capitalization Rate (Cap Rate) to help estimate a property's potential return on investment. The Cap Rate is a fundamental metric in commercial real estate that measures the relationship between a property's net operating income and its market value.

    How We Calculate Cap Rate

    Cap Rate Formula:
    Cap Rate (%) = (Net Operating Income / Property Value) × 100

    Net Operating Income (NOI) Formula:
    NOI = Area × Lease Rate × (1 - Vacancy Rate) × (1 - Operating Expense Ratio)

    Components

    Net Operating Income (NOI) represents the annual income a property generates after operating expenses:

    • Area: Building square footage from property records
    • Lease Rate: Annual $/sqft based on market data for the property type and geographic location
    • Vacancy Rate: Percentage of unoccupied space based on market data for the property type and location
    • Operating Expense Ratio: Operating costs as a percentage of income, varies by property type

    Property Value is derived from:

    • Recent sale price (if available)
    • Statistical models using comparable sales
    • AI-powered valuation estimates

    Example Calculation

    For a 100,000 sqft Office Building:

    • Lease Rate: $25.00/sqft/year (market data for Office in this area)
    • Vacancy Rate: 8% (market data for Office in this area)
    • Operating Expense Ratio: 35% (typical for Office properties)
    • Property Value: $15,000,000

    Step 1: Calculate NOI

    NOI = 100,000 × $25.00 × (1 - 0.08) × (1 - 0.35)
    NOI = 100,000 × $25.00 × 0.92 × 0.65
    NOI = $1,495,000/year

    Step 2: Calculate Cap Rate

    Cap Rate = ($1,495,000 / $15,000,000) × 100
    Cap Rate = 9.97%

    Property Type Considerations

    Net Operating Income calculations vary by property type due to different operating expense ratios:

    • Office: Higher expenses (30-40%) for HVAC, utilities, maintenance
    • Retail: Moderate expenses (25-35%) for common area maintenance
    • Industrial/Warehouse: Lower expenses (15-25%) for minimal tenant services
    • Multifamily: Moderate expenses (35-45%) including property management
    • Self-Storage: Lower expenses (25-35%) due to minimal maintenance

    Market lease rates and vacancy rates are specific to each property type and geographic location, reflecting local market conditions.

    Disclaimer

    These calculations are estimates for informational purposes only and should not be used as a substitute for professional financial analysis or appraisal.

    • Cap Rate calculations depend on market data that may change over time
    • Actual operating expenses, lease rates, and vacancy rates may differ from market averages
    • Individual property conditions, lease terms, and tenant quality significantly impact actual NOI
    • Property value estimates are approximations and not official appraisals
    • Cap rates vary widely by market, property condition, and investment risk profile

    Professional Guidance Recommended: Before making any investment or financial decisions, consult with licensed appraisers, commercial real estate brokers, and financial advisors who can evaluate your specific property and circumstances.
    By using this feature, you acknowledge that Realmo is not responsible for investment decisions or actions taken based on these estimates.

    Cap approach

    Capitalization Method calculates value based on estimated net operating income (NOI) and applying a market-based capitalization rate (cap rate), we estimate what a typical investor might be willing to pay for it.

    Comparable approach

    Comparable estimate is based on recent sales of similar nearby properties, adjusted for factors like size, condition, and location.

    Relative

    Relative property class coefficient uses factors that account for typical price differences between various asset types (e.g., retail vs. industrial) to provide a more accurate market-aligned estimate.

    Geo

    Comparable Sales Method, enhanced by Geo coefficients — location-based adjustment factors that reflect differences in price levels across neighborhoods, cities, or regions ensuring a more accurate, market-sensitive valuation.

    Stat Estimate

    This method estimates value based on actual market adjusted recent (~5 years) sales of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all similar sales ($/sqft) are above this value
    • Range-to: 75% of all similar sales ($/sqft) are below this value
    AI Estimate

    This method estimates value based on AI market estimation of comparable properties around by location and property type.

    • Ranges - area data calculated by industry standard IQR Outlier Removal Method
    • Range-from: 75% of all estimations ($/sqft) are above this value
    • Range-to: 75% of all estimations ($/sqft) are below this value
    Alternative use

    Estimate considers the property’s potential value if used for a different purpose-based on zoning, demand, and market feasibility.

    More about this property
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