178 N Water St, Gowanda, NY 14070 Property Records

Cattaraugus County and Persia Town property record for 178 N Water St, Gowanda, NY 14070

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 811 sqft · built 1935
Lot Size	0.148 acres (6,486 sqft)
Owner	Individual Name on File
Last Sale	$117,000 (Oct 2022)
Tax Bill	$2,455 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`047201 8.075-2-7`

Property Details

APN / Parcel Number

Primary APN	`047201 8.075-2-7`
Alternative APNs	`720100807500020070000000` `0285`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	811 sqft Living Area
1st Floor Area	624 sqft
Attic	Attic
Attic Area	187 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1987
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,486 sqft (0.148 acres)
Lot Dimensions	138 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0285
Street Address	178 N WATER ST
City	GOWANDA
State	NY
Zip	14070-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	28 06 08
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	CATTARAUGUS NY
Township / Civil Division	PERSIA
Census Block Group	2
Census Block	2002
Census Tract	960400

Owner

178 N Water St is owned and occupied by an individual who bought it in October 2022.

Source: Cattaraugus County and Persia Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	178 N WATER ST, GOWANDA, NY 14070-1119
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 17, 2022 · Amount on File
Deed Sale	Oct 17, 2022 · Amount on File
Prior Sale	Feb 27, 2013 · Amount on File
Deed Document Number	202223166
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CATTARAUGUS NY
Recording Date	Oct 17, 2022
Property Address	178 N WATER ST, GOWANDA, NY 14070-1119
Document Number	0000023166
Instrument Date	Sep 15, 2022
Instrument	202223166
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 SANDY LN, BUFFALO, NY 14227-1331

Mortgage

Document Number	0000023167
Date	Oct 17, 2022
Instrument	202223167

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 178 N Water St was $2,455, up 1.4% from the year before.

Source: Cattaraugus County and Persia Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cattaraugus County
County Subdivision	Persia 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	$2,455.00 (+1.4%)
2025	$2,421.00 (-2.38%)	$123,300 Land $4,500 Building $118,800	$123,300 Land $4,500 Building $118,800
2024	$2,480.00
2023		$108,700 Land $4,500 Building $104,200	$108,700 Land $4,500 Building $104,200

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

Flood

FEMA maps place 178 N Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 53 policies
Nearby Flood Policies	53 in force
Nearby Flood Claims	124 (1979–2014)
Claims Outside the SFHA	20 of 124
Most Recent Claim	May 2014 · other causes
Claims by Event	Severe Storms And Flooding, May 2014 · 111 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

Wildfire risk around 178 N Water St 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.

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30