1897 Girdle Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 1897 Girdle Rd, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,332 sqft · built 2002
Lot Size	0.805 acres (35,000 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2010)
Tax Bill	$8,675 (2026)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`144200 147.01-4-34`

Property Details

APN / Parcel Number

Primary APN	`144200 147.01-4-34`
Alternative APN	`42001470100004034000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,332 sqft Living Area
1st Floor Area	1,296 sqft
2nd Floor Area	1,036 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	35,000 sqft (0.805 acres)
Lot Dimensions	280 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	694 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1897 GIRDLE RD
City	ELMA
State	NY
Zip	14059-9272
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02
Legal Description	SUB LOT 2
Legal Subdivision	THE MEADOWS SUBDIVISION
Legal Block	4
Legal Lot Number	34.000
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	3
Census Block	3026
Census Tract	14101

Owner

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 Record
Mailing Address	1897 GIRDLE RD, ELMA, NY 14059-9272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2010 · Amount on Record
Deed Sale	Jun 21, 2010 · Amount on Record
Prior Sale	Dec 8, 2006 · Amount on Record
Deed Document Number	2010108881
Deed Book / Page	11183 / 7307
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	1897 GIRDLE RD, ELMA, NY 14059-9272
Document Number	0139357631
Instrument Date	Apr 2, 2020
Transaction Type	Mortgage
Record Updated	Jun 2, 2020
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1897 GIRDLE RD ELMA NY 140599272, ELMA, NY 14059-9272

Mortgage

Document Number	0139357631
Date	Apr 13, 2020
Book Page	013935/007631

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Erie County and Elma Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Elma Town
Unified School District	Iroquois Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,675.00 (+1.14%) Homeowner's exemption
2025	$8,577.00 (+2.52%)	$13,700 (-) Land $2,800 Building $10,900	$526,900 (+3.84%) Land $107,688 Building $419,212
2024	$8,366.00 Homeowner's exemption	$13,700 (-) Land $2,800 Building $10,900	$507,407 (+3.7%) Land $103,704 Building $403,703
2023	Homeowner's exemption	$13,700 Land $2,800 Building $10,900	$489,286 Land $100,000 Building $389,286

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.

Flood

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 93% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30