15 Sandy Ln, Buffalo, NY 14227 Property Records

Erie County and Cheektowaga Town property record for 15 Sandy Ln, Buffalo, NY 14227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 977 sqft · built 1959
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$189,900 (Sep 2022)
Tax Bill	$6,569 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`143089 113.34-1-10`

Property Details

APN / Parcel Number

Primary APN	`143089 113.34-1-10`
Alternative APNs	`30891133400001010000` `039 0020000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	977 sqft Living Area
1st Floor Area	977 sqft
Game Room	Game Room

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	190 ft deep x 63.7 ft wide
Garage Type	Attached
Garage Area	325 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	039 0020000
Street Address	15 SANDY LN
City	BUFFALO
State	NY
Zip	14227-1330
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 2145 SL 26/25
Legal Subdivision	THE HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	10.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	3
Census Block	3004
Census Tract	10902

Owner

15 Sandy Ln is owned and occupied by two individuals who bought it in September 2022.

Source: Erie County and Cheektowaga Town records, as of October 21, 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 File
Mailing Address	15 SANDY LN, BUFFALO, NY 14227-1330
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage M & T BANK
Jun 19, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Jun 19, 2020 · Amount on File
Deed Document Number	20222022184378
Deed Book / Page	11408 / 2677
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Sep 27, 2022
Property Address	15 SANDY LN, CHEEKTOWAGA, NY 14227-1330
Document Number	0114082677
Book / Page	11408 / 2677
Instrument Date	Sep 22, 2022
Instrument	2022184378
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 SANDY LN, 15, CHEEKTOWAGA, NY 14227-1330

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	218 W FERRY ST, BUFFALO, NY 14213-1851

Mortgage

Document Number	0140692165
Date	Sep 27, 2022
Instrument	14069/2165

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jun 19, 2020
Property Address	15 SANDY LN, CHEEKTOWAGA, NY 14227-1330
Document Number	0113618102
Book / Page	011361 / 008102
Instrument Date	Jun 12, 2020
Transaction Type	Transfer
Record Updated	Jul 9, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Amount Accuracy	Confirmed
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	15 SANDY LN CHEEKTOWAGA NY 142271330, CHEEKTOWAGA, NY 14227-1330

Mortgage

Document Number	139438335
Date	Jun 19, 2020
Book Page	013943/008335

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jun 18, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 15 Sandy Ln was $6,569, up 114.3% 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	$6,569.00 (+114.32%)
2025	$3,065.00 (-42.47%)	$173,000 (-) Land $22,500 Building $150,500	$230,667 (+6.67%) Land $30,000 Building $200,667
2024	$5,328.00	$173,000 (-) Land $22,500 Building $150,500	$216,250 (+13.75%) Land $28,125 Building $188,125
2023		$173,000 Land $22,500 Building $150,500	$190,110 Land $24,725 Building $165,385

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

Flood

FEMA maps place 15 Sandy Ln in Zone X, an area of minimal flood risk, though there have been 4 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	4 (1979–1980)
Claims Outside the SFHA	2 of 4
Most Recent Claim	Aug 1980 · 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 15 Sandy 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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