Erie County and Elma Town property record for 1623 Girdle Rd, Elma, NY 14059
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 3 ba · 2,869 sqft · built 2003 |
| Lot Size | 2.24 acres (97,574 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $315,000 (Nov 2018) |
| Tax Bill | $6,612 (2026) |
| Deeds & Mortgages | Dec 2025 Line of Credit Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144200 147.03-1-15 |
| Primary APN | 144200 147.03-1-15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Stories | 2 Stories |
| Building Area | 2,869 sqft Total Area |
| 1st Floor Area | 1,415 sqft |
| 2nd Floor Area | 1,454 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 97,574 sqft (2.24 acres) |
| Lot Dimensions | 651 ft deep x 150 ft wide |
| Garage Type | Attached |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1623 GIRDLE RD |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9226 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 14101 |
1623 Girdle Rd, a duplex, is owned and occupied by two individuals who bought it in November 2018.
Source: Erie County and Elma Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Dec 2, 2025 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 7, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2018 · Amount on File |
| Deed Sale | Nov 7, 2018 · Amount on File |
| Deed Document Number | 2018222772 |
| Deed Book / Page | 11336 / 9586 |
| Prior Transfer Date | May 1, 2015 |
| Prior Transfer Doc | 0112794608 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Transaction Type | Mortgage |
| Record Updated | Feb 16, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Document Number | 0141828362 |
|---|---|
| Date | Dec 2, 2025 |
| Book Page | 14182/8362 |
| Instrument | 2025219339 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 294 Months |
| Due | Jun 27, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Transaction Type | Mortgage |
| Record Updated | Dec 30, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Document Number | 0140266968 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 14026/6968 |
| Instrument | 2021232205 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 237 Months |
| Due | Aug 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Nov 7, 2018 |
| Property Address | 1623 GIRDLE RD, ELMA, NY 14059-9226 |
| Document Number | 0113369586 |
| Book / Page | 11336 / 9586 |
| Instrument Date | Nov 5, 2018 |
| Instrument | 2018222772 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,835.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1623 GIRDLE RD, 1623, ELMA, NY 14059-9226 |
| Name | Verified Name |
|---|---|
| Address | 17 BROOKVIEW TER, ORCHARD PARK, NY 14127-1714 |
The 2026 property tax bill for 1623 Girdle Rd was $6,612, up 267.9% from the year before.
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 | $6,612.00 (+267.95%) | ||
| 2025 | $1,797.00 (-71.6%) | $11,400 (-) Land $2,100 Building $9,300 | $438,450 (+3.84%) Land $80,767 Building $357,683 |
| 2024 | $6,327.00 | $11,400 (-) Land $2,100 Building $9,300 | $422,222 (+3.7%) Land $77,778 Building $344,444 |
| 2023 | $11,400 Land $2,100 Building $9,300 | $407,143 Land $75,000 Building $332,143 |
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.
FEMA maps place 1623 Girdle Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1999.
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 | 2 (1999–2008) |
| Most Recent Claim | Dec 2008 · 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 risk around 1623 Girdle Rd 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 93% of the US · lower than 89% 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.
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 102 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures