Erie County and Evans Town property record for 1575 Overhead Rd, Derby, NY 14047
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,752 sqft · built 1974 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $399,000 (Jan 2026) |
| Tax Bill | $7,097 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 005-0110050 |
| Primary APN | 005-0110050 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,752 sqft Living Area |
| 1st Floor Area | 1,752 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 56,628 sqft (1.3 acres) |
| Lot Dimensions | 154 ft deep x 310 ft wide |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 527 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 432 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 005-0110050 |
|---|---|
| Street Address | 1575 OVERHEAD RD |
| City | DERBY |
| State | NY |
| Zip | 14047-9714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 3 |
| Legal Lot Number | 8.100 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | EVANS |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 15402 |
Source: Erie County and Evans 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 | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Oct 26, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Jan 14, 2026 | Executor's Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE |
| Oct 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MICHAEL G COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2026 · Amount on Record |
| Deed Sale | Jan 14, 2026 · Amount on Record |
| Deed Document Number | 20267665 |
| Deed Book / Page | 11455 / 9005 |
| Prior Transfer Date | Aug 24, 2011 |
| Prior Transfer Doc | 0000173283 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Transaction Type | Mortgage |
| Record Updated | Mar 17, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Document Number | 0140223158 |
|---|---|
| Date | Oct 26, 2021 |
| Book Page | 14022/3158 |
| Instrument | 2021214290 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Jul 1, 2051 |
| Document Type | Executor's Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jan 14, 2026 |
| Property Address | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Document Number | 0114559005 |
| Book / Page | 11455 / 9005 |
| Instrument Date | Dec 17, 2025 |
| Instrument | 2026007665 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,596.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5900 PINEHURST CT, LAKE VIEW, NY 14085-9202 |
| Name | Verified Name |
|---|---|
| Address | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Document Number | 0141872349 |
|---|---|
| Date | Jan 14, 2026 |
| Instrument | 14187/2349 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1575 OVERHEAD RD, DERBY, NY 14047-9714 |
| Document Number | 0138759108 |
| Instrument Date | Oct 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2018 |
| Name | Verified Name |
|---|---|
| Address | 1575 OVERHEAD RD DERBY NY 140479714, DERBY, NY 14047-9714 |
| Document Number | 0138759108 |
|---|---|
| Date | Oct 30, 2018 |
| Book Page | 013875/009108 |
| Name | MICHAEL G COOPER |
|---|---|
| Address | 6101 S PARK AVE, HAMBURG, NY 14075-3734 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Oct 29, 2023 |
Source: Erie County and Evans Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Evans Town |
| Unified School District | Evans-Brant Central School District (Lake Shore) (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,097.00 (+1.44%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $6,996.00 (+3.31%) | $164,000 (-) Land $14,000 Building $150,000 | $334,700 (+10.21%) Land $28,572 Building $306,128 |
| 2024 | $6,772.00 Homeowner's exemption Senior Citizen's exemption | $164,000 (-) Land $14,000 Building $150,000 | $303,700 (+7.39%) Land $25,926 Building $277,774 |
| 2023 | Homeowner's exemption Senior Citizen's exemption | $164,000 Land $14,000 Building $150,000 | $282,800 Land $24,141 Building $258,659 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 7 in force |
| Nearby Flood Claims | 6 (1999–2022) |
| Claims Outside the SFHA | 4 of 6 |
| Most Recent Claim | Feb 2022 · river or lake flooding |
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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