Erie County and Elma Town property record for 1475 Bowen Rd, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,270 sqft · built 2001 |
| Lot Size | 4.58 acres (199,505 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,218 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 144200 146.00-4-43.3 |
| Primary APN | 144200 146.00-4-43.3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,270 sqft Living Area |
| 1st Floor Area | 1,150 sqft |
| 2nd Floor Area | 1,120 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 199,505 sqft (4.58 acres) |
| Lot Dimensions | 1,375 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 744 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1475 BOWEN RD |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 43.300 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 14101 |
Source: Erie County and Elma Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1475 BOWEN RD, ELMA, NY 14059-9548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES FCU |
| Aug 12, 2019 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1475 BOWEN RD, ELMA, NY 14059-9548 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1475 BOWEN RD, ELMA, NY 14059-9548 |
| Document Number | 0140184108 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 14018/4108 |
| Instrument | 2021197525 |
| Name | STATE EMPLOYEES FCU |
|---|---|
| Type | Credit Union |
| Address | ALBANY, NY 12206 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1475 BOWEN RD, ELMA, NY 14059-9548 |
| Document Number | 0139138386 |
| Instrument Date | Aug 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1475 BOWEN RD ELMA NY 140599548, ELMA, NY 14059-9548 |
| Document Number | 0139138386 |
|---|---|
| Date | Oct 7, 2019 |
| Book Page | 013913/008386 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 6, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: Erie County and Elma Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Elma Town |
| Unified School District | Iroquois Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,218.00 (-40.73%) Homeowner's exemption Veteran's exemption | ||
| 2025 | $12,179.00 (+76.71%) | $12,500 (-) Land $2,800 Building $9,700 | $480,750 (+3.84%) Land $107,688 Building $373,062 |
| 2024 | $6,892.00 Homeowner's exemption Veteran's exemption | $12,500 (-) Land $2,800 Building $9,700 | $462,963 (+3.7%) Land $103,704 Building $359,259 |
| 2023 | Homeowner's exemption Veteran's exemption | $12,500 Land $2,800 Building $9,700 | $446,429 Land $100,000 Building $346,429 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 in force |
| Nearby Flood Claims | 7 (1979–2004) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Aug 2004 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | ELMA WATER DISTRICT NO. 1 serves 10,287 people · EPA ID NY1420549 |
|---|---|
| Water Source | Purchased surface water from ECWA DIRECT |
| Lead | 2 ppb (2021–2023) 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 32 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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