155 Seneca St, Gowanda, NY 14070 Property Records

Erie County and Collins Town property record for 155 Seneca St, Gowanda, NY 14070

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1990
Lot Size	0.2 acres (8,680 sqft)
Owner	Individual Name on Record
Last Sale	$78,000 (Sep 2015)
Tax Bill	$4,255 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`143601 349.11-3-23.13`

Property Details

APN / Parcel Number

Primary APN	`143601 349.11-3-23.13`
Alternative APN	`36013491100003023130`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,020 sqft Living Area
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,680 sqft (0.2 acres)
Lot Dimensions	140 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	155 SENECA ST
City	GOWANDA
State	NY
Zip	14070-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FERBER JOLLS/GUGINO JOLLS-GUGINO HGWY .20
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	3
Legal Lot Number	23.130
Jurisdiction	ERIE NY
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2020
Census Tract	17501

Owner

Source: Erie County and Collins Town records, as of October 20, 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 Record
Mailing Address	155 SENECA ST, GOWANDA, NY 14070-1020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK
Aug 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA
Aug 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 21, 2015 · Amount on Record
Deed Sale	Sep 21, 2015 · Amount on Record
Prior Sale	Sep 20, 1994 · Amount on Record
Deed Document Number	2015192932
Deed Book / Page	11285 / 5731
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Jul 29, 2026
Property Address	155 SENECA ST, GOWANDA, NY 14070-1020
Document Number	0000138512
Book / Page	14206 / 7613
Instrument Date	Jul 13, 2026
Instrument	2026138512
Transaction Type	Mortgage
Record Updated	Sep 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SENECA ST, GOWANDA, NY 14070-1020

Mortgage

Document Number	0000138512,
Date	Jul 29, 2026
Book Page	14206/7613
Instrument	2026138512

Lender

Name	COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Aug 3, 2026
Property Address	155 SENECA ST, GOWANDA, NY 14070-1020
Document Number	0000141967
Book / Page	11464 / 3481
Instrument Date	Jul 13, 2026
Instrument	2026141967
Transaction Type	Mortgage
Record Updated	Sep 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SENECA ST, GOWANDA, NY 14070-1020

Mortgage

Document Number	0000141967,
Date	Aug 3, 2026
Book Page	11464/3481
Instrument	2026141967

Lender

Name	COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	7.5%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	155 SENECA ST, GOWANDA, NY 14070-1020
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SENECA ST, GOWANDA, NY 14070-1020

Mortgage

Document Number	0140638615
Date	Aug 15, 2022
Book Page	14063/8615
Instrument	2022155356

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 22, 2032

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	155 SENECA ST, GOWANDA, NY 14070-1020
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	155 SENECA ST, GOWANDA, NY 14070-1020

Mortgage

Document Number	0114062746
Date	Aug 15, 2022
Book Page	11406/2746
Instrument	2022155357

Lender

Name	COMMUNITY BANK NA
Type	Bank
Address	OLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jun 22, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,255.00 (+390.21%)
2025	$868.00 (-62.7%)	$62,000 (-) Land $3,300 Building $58,700	$221,400 (+21.41%) Land $11,784 Building $209,616
2024	$2,327.00	$62,000 (-) Land $3,300 Building $58,700	$182,353 (+5.9%) Land $9,706 Building $172,647
2023		$62,000 (-) Land $3,300 Building $58,700	$172,200 (+16.67%) Land $9,165 Building $163,035
2022		$62,000 Land $3,300 Building $58,700	$147,600 Land $7,856 Building $139,744
2021	$809.00

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

Flood

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	11 (1996–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Feb 2022 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Aug 2009 · 7 claims

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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GOWANDA VILLAGE serves 2,800 people · EPA ID NY0400340
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Apr 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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