145 Miller St, Gowanda, NY 14070 Property Records

Cattaraugus County and Persia Town property record for 145 Miller St, Gowanda, NY 14070 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 867 sqft · built 1932
Lot Size	0.302 acres (13,192 sqft)
Owner	Individual Name on File
Last Sale	$147,500 (May 2026)
Tax Bill	$2,944 (2025)
Deeds & Mortgages	Jul 2022 Refinance Feb 2024 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`047201 16.028-4-10`

Property Details

APN / Parcel Number

Primary APN	`047201 16.028-4-10`
Alternative APNs	`720101602800040100000000` `0562`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	867 sqft Living Area
1st Floor Area	867 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,192 sqft (0.302 acres)
Lot Dimensions	194 ft deep x 68 ft wide
Garage Type	Detached
Garage Area	247 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	318 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0562
Street Address	145 MILLER ST
City	GOWANDA
State	NY
Zip	14070-9514
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	4
Legal Lot Number	10.000
Jurisdiction	CATTARAUGUS NY
Township / Civil Division	PERSIA
Census Block Group	1
Census Block	1008
Census Tract	960400

Owner

Source: Cattaraugus County and Persia Town records · APN 047201 16.028-4-10

Assessment roll updated April 30, 2026 · Last verified June 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 File
Mailing Address	429 CUMBERLAND AVE, BUFFALO, NY 14220-1746
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance WELLS FARGO BANK NA
Feb 16, 2024	Deed of Trust, Mortgage · Stand-Alone Refinance NAVY FCU
May 26, 2026	Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE LLC
Sep 13, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NAVY FCU
Mar 27, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Sep 13, 2022 · Amount on Record
Deed Document Number	2026202606123
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATTARAUGUS NY
Property Address	145 MILLER ST, GOWANDA, NY 14070-9514
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019824
Date	Jul 29, 2022
Instrument	202219824

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATTARAUGUS NY
Property Address	145 MILLER ST, GOWANDA, NY 14070-9514
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002332
Date	Feb 16, 2024
Instrument	202402332

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2054

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATTARAUGUS NY
Recording Date	May 26, 2026
Property Address	145 MILLER ST, GOWANDA, NY 14070-9514
Document Number	0000006123
Instrument Date	May 12, 2026
Instrument	20266123
Transaction Type	Transfer
Record Updated	Jun 17, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	429 CUMBERLAND AVE, BUFFALO, NY 14220-1746

Mortgage

Date	May 26, 2026

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate	6.37%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATTARAUGUS NY
Recording Date	Sep 13, 2022
Property Address	145 MILLER ST, GOWANDA, NY 14070-9514
Document Number	0000021720
Instrument Date	Sep 09, 2022
Instrument	202221720
Transaction Type	Transfer
Record Updated	Oct 11, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8402 N OTTO RD, CATTARAUGUS, NY 14719-9443

Mortgage

Document Number	0000021721
Date	Sep 13, 2022
Instrument	202221721

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATTARAUGUS NY
Recording Date	Mar 27, 2018
Property Address	145 MILLER ST, GOWANDA, NY 14070-9514
Document Number	0293579001
Book / Page	029357 / 009001
Instrument Date	Mar 27, 2018
Transaction Type	Transfer
Record Updated	Apr 24, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 MILLER ST GOWANDA NY 140709514, GOWANDA, NY 14070-9514

Tax Assessment & Valuation

Source: Cattaraugus County and Persia Town records · Assessment roll updated April 30, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	New York
County	Cattaraugus County
County Subdivision	Persia Town
Municipality	Gowanda Village
Unified School District	Gowanda Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,944.00 (-2.39%)	$149,900 (+13.39%) Land $6,900 Building $143,000	$149,900 (+13.39%) Land $6,900 Building $143,000
2024	$3,016.00
2023		$132,200 Land $6,900 Building $125,300	$132,200 Land $6,900 Building $125,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cattaraugus County (36029C), updated November 20, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360099604001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2009)
Most Recent Claim	Aug 2009, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Aug 2009 · 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 150 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Armstrong Holdings, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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