NOT LISTED FOR SALE

21 Ruth Terrace Rochester, NY 14624

Chili Area

Estimated Value: $239,000 - $282,084

4 Beds
2 Baths
1,704 Sq Ft
$154/Sq Ft Est. Value

Sale Details

Date Sold: September 24, 2025

Last sale price $239,900 $141 Per Sq Ft

Est. 10% increase in value since last sale

Current estimated payment $1,713 / mo

38 Days on Market

Highlights

  • Main Floor Primary Bedroom
  • Separate Formal Living Room
  • Formal Dining Room
  • 1 Fireplace
  • Covered Patio or Porch
  • 2 Car Attached Garage

About This Home

As of September 2025

Welcome to this 4-bedroom, 2-full bath home with room to spread out! This split-level offers a flexible layout, including one bedroom conveniently located on the first floor—perfect for guests, a home office, or a primary suite. Inside, you’ll find both a living room and a cozy family room with a wood-burning fireplace, ideal for relaxing or entertaining. The formal dining room provides a great space for gatherings, while the kitchen offers plenty of room for meal prep. A sliding glass door off the family room brings in natural light and leads to the covered back patio and backyard, great for outdoor enjoyment. Upstairs, you'll find three additional bedrooms and another full bath. Additional highlights include a sizable basement for storage or hobbies, an attached two-car garage, shed, front porch, and a double-wide driveway offering plenty of parking. Perfectly situated at the end of a low-traffic neighborhood street with no through access.

Last Agent to Sell the Property

Crissandra Fitzak

Listing by Howard Hanna Brokerage Phone: 585-230-7297 License #10401311434 Listed on: 07/24/2025

Howard Hanna

Last Buyer's Agent

Sharon Quataert

Listing by Century 21 APEX License #10491204899

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Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $6,363

Year Built

  • Built in 1968

Lot Details

  • 12,197 Sq Ft Lot
  • Lot Dimensions are 91x135
  • Partially Fenced Property
  • Rectangular Lot

Parking

  • 2 Car Attached Garage
  • Garage Door Opener
  • Driveway

Home Design

  • Split Level Home
  • Brick Exterior Construction
  • Block Foundation
  • Aluminum Siding
  • Vinyl Siding

Interior Spaces

  • 1,704 Sq Ft Home
  • 2-Story Property
  • 1 Fireplace
  • Window Treatments
  • Sliding Doors
  • Entrance Foyer
  • Family Room
  • Separate Formal Living Room
  • Formal Dining Room

Kitchen

  • Electric Oven
  • Electric Range
  • Microwave
  • Freezer
  • Dishwasher

Flooring

  • Carpet
  • Tile
  • Vinyl

Bedrooms and Bathrooms

  • 4 Bedrooms | 1 Primary Bedroom on Main
  • 2 Full Bathrooms

Laundry

  • Laundry Room
  • Dryer

Basement

  • Partial Basement
  • Sump Pump
  • Laundry in Basement

Outdoor Features

  • Covered Patio or Porch

Utilities

  • Forced Air Heating and Cooling System
  • Heating System Uses Gas
  • Programmable Thermostat
  • Gas Water Heater
  • Cable TV Available

Community Details

  • M D Mercer Subdivision

Listing and Financial Details

  • Tax Lot 9
  • Assessor Parcel Number 262200-146-060-0003-009-000

Home Details

Home Type

Single Family

Est. Annual Taxes

$6,363

Year Built

Built in 1968

Lot Details

0.28 Acres

Parking

2

Listing Details

  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Year Built: 1968
  • Attribution Contact: 585-230-7297
  • ResoLaundryFeatures: In Basement
  • Lot Features: Rectangular, Rectangular Lot, Residential Lot
  • Road Frontage Type: City Street
  • Subdivision Name: M D Mercer
  • Directions: From Chili Ave head south on Ruth Terrace
  • Architectural Style: Split Level
  • Flooring: Carpet, Tile, Varies, Vinyl
  • Garage Yn: Yes
  • Interior Features: Separate/Formal Dining Room, Entrance Foyer, Separate/Formal Living Room, Sliding Glass Door(s), Window Treatments, Bedroom on Main Level, Main Level Primary, Programmable Thermostat
  • Unit Levels: Two
  • Year Built Details: Existing
  • Financial Info Electric: Circuit Breakers
  • Special Features: VirtualTour

Interior Features

  • Appliances: Dryer, Dishwasher, Electric Oven, Electric Range, Freezer, Gas Water Heater, Microwave, Refrigerator
  • Basement: Partial, Sump Pump
  • Basement YN: Yes
  • Full Bathrooms: 2
  • Total Bedrooms: 4
  • Below Grade Sq Ft: 552.0
  • Door Features: Sliding Doors
  • Fireplaces: 1
  • Main Level Bathrooms: 1
  • Main Level Bedrooms: 1
  • Stories: 2
  • Stories: 2

Exterior Features

  • Fencing: Partial
  • Acres: 0.28
  • Waterfront: No
  • Construction Type: Aluminum Siding, Brick, Vinyl Siding
  • Exterior Features: Blacktop Driveway, Fence, Patio
  • Foundation Details: Block
  • Patio And Porch Features: Covered, Patio, Porch

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.0
  • Parking Features: Attached, Electricity, Garage, Driveway, Garage Door Opener

Utilities

  • Cooling: Central Air
  • Cooling Y N: Yes
  • Heating: Gas, Forced Air
  • HeatingYN: Yes
  • Utilities: Cable Available, Sewer Connected, Water Connected
  • Water Source: Connected, Public

Condo/Co-op/Association

  • Senior Community: No

Schools

  • Junior High Dist: Gates Chili

Lot Info

  • Parcel Number: 262200-146-060-0003-009-000
  • Lot Dimensions: 91X135
  • Lot Size Sq Ft: 12197.0
  • ResoLotSizeUnits: Acres

Tax Info

  • Tax Annual Amount: 6363.0
  • Tax Lot: 9

Ownership History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 24, 2025
Closed on
Sep 16, 2025
Sold by
Gray Kemar H
Bought by
Seller's Agent
Crissandra Fitzak
Howard Hanna
Buyer's Agent
Sharon Quataert
Century 21 APEX
List Price
$239,900
Sold Price
$239,900
Views
138
Current Estimated Value
$262,771

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$22,871
Avg. Annual Appreciation
10.17%
Original Mortgage
$191,920
Outstanding Balance
$190,348
Interest Rate
6.58%
Mortgage Type
New Conventional
Estimated Equity
$72,423

Purchase Details

Listed on
Jun 16, 2020
Closed on
Aug 4, 2020
Sold by
Byrd James A
Bought by
Gray Kemar H
Seller's Agent
Dale Van Vechten
Hunt Real Estate ERA/Columbus
Buyer's Agent
Sal Morello
Howard Hanna
List Price
$149,900
Sold Price
$165,000
Premium/Discount to List
$15,100
10.07%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
7.57%
Original Mortgage
$132,000
Interest Rate
3%
Mortgage Type
New Conventional

Purchase Details

Closed on
Mar 11, 2010
Sold by
Byrd James A
Bought by
Byrd James A

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$100,000
Interest Rate
4.97%
Mortgage Type
Credit Line Revolving
Source: Public Records

Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

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Purchase History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Buyer Sale Price Title Company
$239,900 Independent Title
Gray Kemar H $165,000 None Available
Byrd James A -- None Available
Source: Public Records

Mortgage History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Status Borrower Loan Amount
Open $191,920
Closed Gray Kemar H $132,000
Previous Owner Byrd James A $11,600
Previous Owner Byrd James A $100,000
Source: Public Records

Property History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Date Event Price List to Sale Price per Sq Ft Prior Sale
09/24/2025 09/24/25 Sold $239,900 0.0% $141 / Sq Ft
08/31/2025 08/31/25 Pending -- -- --
07/24/2025 07/24/25 For Sale $239,900 +45.4% $141 / Sq Ft
08/10/2020 08/10/20 Sold $165,000 +10.1% $97 / Sq Ft View Prior Sale
06/22/2020 06/22/20 Pending -- -- --
06/16/2020 06/16/20 For Sale $149,900 -- $88 / Sq Ft
Source: Upstate New York Real Estate Information Services (UNYREIS)

Tax History

We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $10,822 $220,300 $42,100 $178,200
2024 $10,822 $220,300 $42,100 $178,200
2023 $5,949 $153,900 $33,700 $120,200
2022 $5,955 $153,900 $33,700 $120,200
2021 $5,658 $153,900 $33,700 $120,200
2020 $5,503 $133,800 $33,700 $100,100
2019 $5,283 $133,800 $33,700 $100,100
2018 $4,784 $133,800 $33,700 $100,100
2017 $2,494 $123,900 $33,700 $90,200
2016 $5,283 $123,900 $33,700 $90,200
2015 -- $123,900 $33,700 $90,200
2014 -- $123,900 $33,700 $90,200
Source: Public Records

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Map

Source: Upstate New York Real Estate Information Services (UNYREIS)

MLS Number: R1624269

Upstate New York Real Estate Information Services (UNYREIS)

APN: 262200-146-060-0003-009-000

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