Erie County and Elma Town property record for 1899 Girdle Rd, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,720 sqft · built 2002 |
| Lot Size | 0.805 acres (35,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $286,900 (Dec 2002) |
| Tax Bill | $10,839 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit Jul 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144200 147.01-4-35 |
| Primary APN | 144200 147.01-4-35 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,720 sqft Living Area |
| 1st Floor Area | 1,928 sqft |
| 2nd Floor Area | 903 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Contemporary |
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 39 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1899 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 3 |
| Legal Subdivision | THE MEADOWS SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 35.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 14101 |
Source: Erie County and Elma Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 5, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jul 21, 2021 | Deed of Trust, Mortgage · Line of Credit KEY BANK NA |
| Jun 19, 2020 | Deed of Trust, Mortgage · Line of Credit KEYBANK USA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 23, 2002 · Amount on Record |
| Deed Sale | Dec 23, 2002 · Amount on Record |
| Deed Document Number | 2002753 |
| Deed Book / Page | 11023 / 8093 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Document Number | 0140184960 |
|---|---|
| Date | Oct 5, 2021 |
| Book Page | 14018/4960 |
| Instrument | 2021197838 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Transaction Type | Mortgage |
| Record Updated | Sep 1, 2021 |
| Title Company | ACCURATE TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Document Number | 0140053125 |
|---|---|
| Date | Jul 21, 2021 |
| Book Page | 14005/3125 |
| Instrument | 2021141883 |
| Name | KEY BANK NA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 1899 GIRDLE RD, ELMA, NY 14059-9272 |
| Document Number | 0139451264 |
| Instrument Date | Jun 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1899 GIRDLE RD ELMA NY 140599272, ELMA, NY 14059-9272 |
| Document Number | 0139451264 |
|---|---|
| Date | Jun 30, 2020 |
| Book Page | 013945/001264 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $10,839.00 (+0.87%) Homeowner's exemption | ||
| 2025 | $10,745.00 (+2.57%) | $17,500 (-) Land $2,800 Building $14,700 | $673,100 (+3.85%) Land $107,696 Building $565,404 |
| 2024 | $10,476.00 Homeowner's exemption | $17,500 (-) Land $2,800 Building $14,700 | $648,148 (+3.7%) Land $103,704 Building $544,444 |
| 2023 | Homeowner's exemption | $17,500 Land $2,800 Building $14,700 | $625,000 Land $100,000 Building $525,000 |
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.
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.
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.
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 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 |
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