190 Schultz Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 190 Schultz Rd, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,607 sqft · built 2011
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$1,500 (Jul 2007)
Tax Bill	$6,743 (2026)
Deeds & Mortgages	Dec 2019 Line of Credit Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`144200 146.00-4-29.2`

Property Details

APN / Parcel Number

Primary APN	`144200 146.00-4-29.2`
Alternative APN	`1442001460000004029000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,607 sqft Living Area
1st Floor Area	1,607 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	65,340 sqft (1.5 acres)
Lot Width	126 ft Width
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	166 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	190 SCHULTZ RD
City	ELMA
State	NY
Zip	14059-9255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RC
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	4
Legal Lot Number	29.200
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	1
Census Block	1028
Census Tract	14101

Owner

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	Individual Name on Record
Mailing Address	190 SCHULTZ RD, ELMA, NY 14059-9255
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Nov 6, 2018	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2007 · Amount on Record
Deed Sale	Jul 13, 2007 · Amount on Record
Deed Document Number	2007149302
Deed Book / Page	11131 / 7988
Last Transfer Date	Jan 27, 2010
Transfer Doc	0111799902
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	190 SCHULTZ RD, ELMA, NY 14059-9255
Document Number	0139291937
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 SCHULTZ RD ELMA NY 140599255, ELMA, NY 14059-9255

Mortgage

Document Number	0139291937
Date	Feb 6, 2020
Book Page	013929/001937

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 5, 2050

Interest

Rate Type	Adjustable Rate

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	190 SCHULTZ RD, ELMA, NY 14059-9255
Document Number	0138786913
Instrument Date	Nov 6, 2018
Transaction Type	Mortgage
Record Updated	Dec 13, 2018
Title Company	AMERICAN LAND TITLE ASSOCIATION, AMERICAN LAND TITLE ASSN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 SCHULTZ RD ELMA NY 140599255, ELMA, NY 14059-9255

Mortgage

Document Number	0138786913
Date	Nov 23, 2018
Book Page	013878/006913

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 22, 2043

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	$6,743.00 Homeowner's exemption
2025		$11,700 (-) Land $1,500 Building $10,200	$450,000 (+3.85%) Land $57,692 Building $392,308
2024	$6,494.00 Homeowner's exemption	$11,700 (-) Land $1,500 Building $10,200	$433,333 (+3.7%) Land $55,556 Building $377,777
2023	Homeowner's exemption	$11,700 Land $1,500 Building $10,200	$417,857 Land $53,571 Building $364,286

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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

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

Wildfire Risk	Low lower than 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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	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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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