Erie County and Tonawanda City property record for 109 Penarrow Dr, Tonawanda, NY 14150
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,314 sqft · built 1958 |
| Lot Size | 0.246 acres (10,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,000 (Nov 2020) |
| Tax Bill | $3,514 (2026) |
| Deeds & Mortgages | Nov 2019 Mortgage Nov 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 003-1085018 |
| Primary APN | 003-1085018 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,314 sqft Living Area |
| 1st Floor Area | 1,314 sqft |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 10,680 sqft (0.246 acres) |
| Lot Dimensions | 177 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 341 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 003-1085018 |
|---|---|
| Street Address | 109 PENARROW DR |
| City | TONAWANDA |
| State | NY |
| Zip | 14150-4226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | GL 36 M79 PT3 MC2O28 L29O 6O X IRR |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 5 |
| Legal Lot Number | 23.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | TONAWANDA |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 7600 |
109 Penarrow Dr is owned and occupied by an individual who bought it in November 2020.
Source: Erie County and Tonawanda City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 PENARROW DR, TONAWANDA, NY 14150-4226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 27, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CITIBANK |
| Nov 13, 2020 | Warranty Deed, Transfer |
| Jan 28, 2019 | Deed of Trust, Mortgage · FHA Mortgage PRIMELENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 13, 2020 · Amount on File |
| Deed Sale | Nov 13, 2020 · Amount on File |
| Prior Sale | Jan 28, 2019 · Amount on File |
| Deed Document Number | 2020194830 |
| Deed Book / Page | 11369 / 3631 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 109 PENARROW DR, TONAWANDA, NY 14150-4226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG NATIONAL TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0139207546 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 13920/7546 |
| Instrument | 2019262720 |
| Name | CITIBANK |
|---|---|
| Type | Bank |
| Address | O FALLON, MO 63368 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Nov 13, 2020 |
| Property Address | 109 PENARROW DR, TONAWANDA, NY 14150-4226 |
| Document Number | 0113693631 |
| Book / Page | 11369 / 3631 |
| Map Reference | DOC 2028 |
| Instrument Date | Nov 5, 2020 |
| Instrument | 2020194830 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $740.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 109 PENARROW DR, 109, TONAWANDA, NY 14150-4226 |
| Name | Verified Name |
|---|---|
| Address | 109 PENARROW DR, TONAWANDA, NY 14150-4226 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 109 PENARROW DR, TONAWANDA, NY 14150-4226 |
| Document Number | 0138858909 |
| Instrument Date | Jan 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 109 PENARROW DR TONAWANDA NY 141504226, TONAWANDA, NY 14150-4226 |
| Document Number | 0138858909 |
|---|---|
| Date | Jan 28, 2019 |
| Book Page | 013885/008909 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 27, 2049 |
The 2026 property tax bill for 109 Penarrow Dr was $3,514, down 7.2% from the year before.
Source: Erie County and Tonawanda City assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| Municipality | Tonawanda City |
| Unified School District | Tonawanda City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,514.00 (-7.23%) | ||
| 2025 | $3,788.00 (-39.85%) | $225,000 (-) Land $22,100 Building $202,900 | $258,600 (+6.9%) Land $25,400 Building $233,200 |
| 2024 | $6,298.00 | $225,000 (-) Land $22,100 Building $202,900 | $241,900 (+7.51%) Land $23,760 Building $218,140 |
| 2023 | $225,000 Land $22,100 Building $202,900 | $225,000 Land $22,100 Building $202,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Penarrow Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 3 (1979–1989) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Jun 1989 |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 109 Penarrow Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 6 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures