103 Ledger St, Buffalo, NY 14216 Property Records

Erie County and Buffalo City property record for 103 Ledger St, Buffalo, NY 14216

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,486 sqft · built 1920
Lot Size	0.082 acres (3,570 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Sep 2025)
Tax Bill	$670 (2026)
Deeds & Mortgages	May 2022 Mortgage Sep 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`140200 78.70-3-14`

Property Details

APN / Parcel Number

Primary APN	`140200 78.70-3-14`
Alternative APNs	`02000787000003014000` `06440100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,486 sqft Living Area
1st Floor Area	806 sqft
2nd Floor Area	680 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,570 sqft (0.082 acres)
Lot Dimensions	119 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	06440100
Street Address	103 LEDGER ST
City	BUFFALO
State	NY
Zip	14216-2616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N-3R
Legal Description	246. S HERTEL
Legal Subdivision	HOLLAND LAND COMPANY S SURVEY
Legal Block	3
Legal Lot Number	14.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	1
Census Block	1005
Census Tract	5000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the American Radiator Company Factory Complex listed 2015 · 3 contributing resources · NRIS 15000674

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 LEDGER ST, BUFFALO, NY 14216-2616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 17, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 13, 2020	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Feb 13, 2020 · Amount on Record
Deed Document Number	2025170123
Deed Book / Page	11450 / 6801
Prior Transfer Date	Aug 14, 2024
Prior Transfer Doc	0114348047
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	103 LEDGER ST, BUFFALO, NY 14216-2616
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LEDGER ST, BUFFALO, NY 14216-2616

Mortgage

Document Number	0140524028
Date	May 13, 2022
Book Page	14052/4028
Instrument	2022094683

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Sep 17, 2025
Property Address	103 LEDGER ST, BUFFALO, NY 14216-2616
Document Number	0114506801
Book / Page	11450 / 6801
Instrument Date	Aug 25, 2025
Instrument	2025170123
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$740.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	207 REBECCA PARK, BUFFALO, NY 14207-1807

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 LEDGER ST, BUFFALO, NY 14216-2616

Mortgage

Document Number	0141743268
Date	Sep 17, 2025
Instrument	14174/3268

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Feb 13, 2020
Property Address	103 LEDGER ST, BUFFALO, NY 14216-2616
Document Number	0113570660
Book / Page	011357 / 000660
Instrument Date	Feb 13, 2020
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1837 NORTH AVE NIAGARA FALLS NY 143052948, NIAGARA FALLS, NY 14305-2948

Mortgage

Document Number	139302805
Date	Feb 13, 2020
Book Page	013930/002805

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 12, 2050

Tax Assessment & Valuation

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$670.00 (-64.42%)
2025	$1,883.00 (+15.95%)	$203,000 (+103%) Land $21,000 Building $182,000	$203,000 (+24.84%) Land $21,000 Building $182,000
2024	$1,624.00 (+212.91%)	$100,000 (-) Land $5,100 Building $94,900	$162,602 (+13.82%) Land $8,293 Building $154,309
2023	$519.00	$100,000 Land $5,100 Building $94,900	$142,857 Land $7,286 Building $135,571

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 November 20, 2024

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	BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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