Erie County and Elma Town property record for 1691 Bowen Rd, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,970 sqft · built 1999 |
| Lot Size | 4.83 acres (210,395 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,077 (Oct 2021) |
| Tax Bill | $8,827 (2026) |
| Deeds & Mortgages | Nov 2025 Line of Credit Apr 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144200 146.00-4-53.15 |
| Primary APN | 144200 146.00-4-53.15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,970 sqft Living Area |
| 1st Floor Area | 2,218 sqft |
| 2nd Floor Area | 752 sqft |
| Basement Area | 384 sqft |
| Finished Basement | 384 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 210,395 sqft (4.83 acres) |
| Lot Width | 20 ft Width |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 1,025 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1691 BOWEN RD |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RC |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 53.150 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 14101 |
1691 Bowen Rd is owned and occupied by an individual who acquired it in February 2026.
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 | Individual Name on File |
|---|---|
| Mailing Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2025 | Deed of Trust, Mortgage · Line of Credit CORNERSTONE COMMUNITY FCU |
| Apr 13, 2026 | Transfer on Death Deed, Transfer |
| Oct 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIVE STAR BANK |
| Mar 21, 2017 | Grant Deed, Transfer · Conventional Mortgage SANTANDER BK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2021 · Amount on File |
| Deed Sale | Oct 15, 2021 · Amount on File |
| Deed Document Number | 20212021206339 |
| Deed Book / Page | 11389 / 2951 |
| Last Transfer Date | Feb 26, 2026 |
| Transfer Doc | 0114595063 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Document Number | 0141810832 |
|---|---|
| Date | Nov 17, 2025 |
| Book Page | 14181/832 |
| Instrument | 2025209598 |
| Name | CORNERSTONE COMMUNITY FCU |
|---|---|
| Type | Credit Union |
| Address | LOCKPORT, NY 14094 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 16, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Apr 13, 2026 |
| Property Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Document Number | 0114595063 |
| Book / Page | 11459 / 5063 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 202668011 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Oct 15, 2021 |
| Property Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Document Number | 0113892951 |
| Book / Page | 11389 / 2951 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021206339 |
| Transaction Type | Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,302.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Name | Verified Name |
|---|---|
| Address | 1750 BOWEN RD, ELMA, NY 14059-9551 |
| Investor | Possibly a Property Investor |
| Document Number | 0140205122 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 14020/5122 |
| Name | FIVE STAR BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 21, 2017 |
| Property Address | 1691 BOWEN RD, ELMA, NY 14059-9550 |
| Document Number | 0113108665 |
| Book / Page | 011310 / 008665 |
| Instrument Date | Mar 9, 2017 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2017 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $124.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 40 ELDERBERRY LN ELMA NY 140599404, ELMA, NY 14059-9404 |
| Document Number | 138053107 |
|---|---|
| Date | Mar 21, 2017 |
| Book Page | 013805/003107 |
| Name | SANTANDER BK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Mar 20, 2027 |
The 2026 property tax bill for 1691 Bowen Rd was $8,827, up 247.4% 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 | $8,827.00 (+247.38%) | ||
| 2025 | $2,541.00 (-70.31%) | $15,100 (-) Land $3,100 Building $12,000 | $580,750 (+3.84%) Land $119,227 Building $461,523 |
| 2024 | $8,557.00 | $15,100 (-) Land $3,100 Building $12,000 | $559,259 (+3.7%) Land $114,815 Building $444,444 |
| 2023 | $15,100 Land $3,100 Building $12,000 | $539,286 Land $110,714 Building $428,572 |
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 1691 Bowen Rd in Zone X, an area of minimal flood risk, though there have been 7 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 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.
Wildfire risk around 1691 Bowen Rd is low, with 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 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 77 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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