176 Germain St, Buffalo, NY 14207 Property Records

Erie County and Buffalo City property record for 176 Germain St, Buffalo, NY 14207

Property Summary

Property Type	Duplex
Details	8 bd · 2 ba · 2,808 sqft · built 1900
Lot Size	0.12 acres (5,227 sqft)
Owner	Company Name on Record
Last Sale	$58,000 (Jul 2015)
Tax Bill	$710 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`140200 77.83-6-4`

Property Details

APN / Parcel Number

Primary APN	`140200 77.83-6-4`
Alternative APNs	`02000778300006004000` `05520100`

Interior

Bedrooms	8 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,808 sqft Total Area
1st Floor Area	1,404 sqft
2nd Floor Area	1,404 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	5,227 sqft (0.12 acres)
Lot Width	30 ft Width
Porch	Slab
Porch Area	161 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	05520100
Street Address	176 GERMAIN ST
City	BUFFALO
State	NY
Zip	14207-2851
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	N-2R
Legal Description	108.27 S GROTE 168.93 S 154.54 N
Legal Subdivision	PARISH TRACT
Legal Block	6
Legal Lot Number	4.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	2
Census Block	2002
Census Tract	5500

Owner

Source: Erie County and Buffalo City 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	Company Name on Record
Mailing Address	60 NEW AMSTERDAM AVE, BUFFALO, NY 14216-3307
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 12, 2025	Deed of Trust, Mortgage M & T BANK
Dec 12, 2025	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Oct 2, 2020	Deed of Trust, Mortgage UPSTATE NAT'L BK
Mar 9, 2018	Deed of Trust, Mortgage NORTHWEST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 27, 2015 · Amount on Record
Deed Sale	Jul 27, 2015 · Amount on Record
Prior Sale	Jan 27, 2010 · Amount on Record
Deed Document Number	2015149928
Deed Book / Page	11282 / 8258
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	176 GERMAIN ST, BUFFALO, NY 14207-2851
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0141841334
Date	Dec 12, 2025
Book Page	14184/1334
Instrument	2025226533

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	176 GERMAIN ST, BUFFALO, NY 14207-2851
Transaction Type	Mortgage
Record Updated	Feb 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0114546626
Date	Dec 12, 2025
Book Page	11454/6626
Instrument	2025226534

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	176 GERMAIN ST, BUFFALO, NY 14207-2851
Document Number	0139593937
Instrument Date	Oct 2, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	259 LEXINGTON AVE BUFFALO NY 142221755, BUFFALO, NY 14222-1755

Mortgage

Document Number	0139593937
Date	Oct 8, 2020
Book Page	013959/003937

Lender

Name	UPSTATE NAT'L BK
Type	Bank
Address	150 STATE ST # 3RD, ROCHESTER, NY 14614-1353

Agreement

Amount	Amount Recorded

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	176 GERMAIN ST, BUFFALO, NY 14207-2851
Document Number	0138483561
Instrument Date	Mar 9, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	259 LEXINGTON AVE BUFFALO NY 142221755, BUFFALO, NY 14222-1755

Mortgage

Document Number	0138483561
Date	Mar 9, 2018
Book Page	013848/003561

Lender

Name	NORTHWEST BK
Type	Bank
Address	WARREN, PA 16365

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$710.00 (-60.13%)
2025	$1,781.00 (+61.32%)	$215,000 (+216.18%) Land $13,000 Building $202,000	$215,000 (+94.45%) Land $13,000 Building $202,000
2024	$1,104.00 (+212.75%)	$68,000 (-) Land $4,400 Building $63,600	$110,569 (+13.82%) Land $7,154 Building $103,415
2023	$353.00	$68,000 Land $4,400 Building $63,600	$97,143 Land $6,286 Building $90,857

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 453 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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