112 Vern Ln, Buffalo, NY 14227 Property Records

Erie County and Cheektowaga Town property record for 112 Vern Ln, Buffalo, NY 14227

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,352 sqft · built 2017
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$255,300 (Oct 2018)
Tax Bill	$11,064 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`143089 113.42-1-10`

Property Details

APN / Parcel Number

Primary APN	`143089 113.42-1-10`
Alternative APNs	`30891134200001010000` `038 0410000`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,352 sqft Living Area
1st Floor Area	1,176 sqft
2nd Floor Area	1,176 sqft
Basement Area	468 sqft
Finished Basement	468 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	110 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	378 sqft
Parking Spaces	1 Parking Space
Shed	1 Shed
Shed Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	038 0410000
Street Address	112 VERN LN
City	BUFFALO
State	NY
Zip	14227-1333
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 2080 SL 3/2
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	2
Census Block	2000
Census Tract	10902

Owner

112 Vern Ln is owned and occupied by two individuals who bought it in October 2018.

Source: Erie County and Cheektowaga Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	112 VERN LN, BUFFALO, NY 14227-1333
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Oct 25, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Apr 5, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Apr 14, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK
Oct 29, 2018	Warranty Deed, Transfer TITLE RESOURCES GUARANTY CO
Feb 10, 2017	Grant Deed, Construction Loan · Construction Mortgage WILLIAM G KRURNOWSKI

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2018 · Amount on File
Deed Sale	Oct 29, 2018 · Amount on File
Prior Sale	Feb 2, 2017 · Amount on File
Deed Document Number	2018216940
Deed Book / Page	11336 / 5674
Prior Transfer Date	Mar 22, 2014
Prior Transfer Doc	0112619545
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Transaction Type	Mortgage
Record Updated	May 20, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 VERN LN, CHEEKTOWAGA, NY 14227-1333

Mortgage

Document Number	0141220395
Date	Apr 1, 2024
Book Page	14122/395
Instrument	2024051617

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Mar 1, 2064

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Transaction Type	Mortgage
Record Updated	Dec 7, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 VERN LN, CHEEKTOWAGA, NY 14227-1333

Mortgage

Document Number	0140723613
Date	Oct 25, 2022
Book Page	14072/3613
Instrument	2022202577

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Oct 1, 2062

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 VERN LN, CHEEKTOWAGA, NY 14227-1333

Mortgage

Document Number	0140472794
Date	Apr 5, 2022
Book Page	14047/2794
Instrument	2022067535

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Transaction Type	Mortgage
Record Updated	Jun 7, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 VERN LN, CHEEKTOWAGA, NY 14227-1333

Mortgage

Document Number	0114001320
Date	Apr 14, 2022
Book Page	11400/1320
Instrument	2022074883

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Interest

Rate	3.75%

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Oct 29, 2018
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Document Number	0113365674
Book / Page	11336 / 5674
Map Reference	MAP2080
Instrument Date	Oct 25, 2018
Instrument	2018216940
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	TITLE RESOURCES GUARANTY CO

Transaction

Amount	Amount on Record
Tax	$2,299.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	278 S FOREST RD, 278, BUFFALO, NY 14221-6429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 ROSEWOOD TER, BUFFALO, NY 14225-4161

February 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ERIE NY
Recording Date	Feb 10, 2017
Property Address	112 VERN LN, BUFFALO, NY 14227-1333
Document Number	0113089042
Book / Page	011308 / 009042
Instrument Date	Dec 28, 2016
Transaction Type	Construction Loan
Record Updated	Sep 5, 2017

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	112 VERN LN CHEEKTOWAGA NY 142271333, CHEEKTOWAGA, NY 14227-1333

Mortgage

Document Number	138010179
Date	Feb 10, 2017
Book Page	013801/000179

Lender

Name	WILLIAM G KRURNOWSKI
Address	188 DELLWOOD RD, AMHERST, NY 14226-2444

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Feb 9, 2018

Tax Assessment & Valuation

The 2026 property tax bill for 112 Vern Ln was $11,064, up 121.3% from the year before.

Source: Erie County and Cheektowaga Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Cheektowaga Town
Unified School District	Cheektowaga Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,064.00 (+121.28%)
2025	$5,000.00 (-44%)	$300,000 (-) Land $15,700 Building $284,300	$400,000 (+6.67%) Land $20,933 Building $379,067
2024	$8,929.00	$300,000 (-) Land $15,700 Building $284,300	$375,000 (+13.75%) Land $19,625 Building $355,375
2023		$300,000 Land $15,700 Building $284,300	$329,670 Land $17,253 Building $312,417

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 112 Vern Ln in Zone X, an area of minimal flood risk, though there have been 7 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 Policies	1 in force
Nearby Flood Claims	7 (1979–2021)
Most Recent Claim	Oct 2021 · rainfall accumulation

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.

Wildfire

Wildfire risk around 112 Vern Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 476 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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