191 Harding Rd, Buffalo, NY 14220 Property Records

Erie County and Buffalo City property record for 191 Harding Rd, Buffalo, NY 14220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,374 sqft · built 1951
Lot Size	0.103 acres (4,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jul 2021)
Tax Bill	$727 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`140200 133.64-1-20`

Property Details

APN / Parcel Number

Primary APN	`140200 133.64-1-20`
Alternative APNs	`02001336400001020000` `11566400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,374 sqft Living Area
1st Floor Area	916 sqft
Upper Floors Area	458 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	4,480 sqft (0.103 acres)
Lot Dimensions	112 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	11566400
Street Address	191 HARDING RD
City	BUFFALO
State	NY
Zip	14220-2250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N-3R
Legal Description	3O9.82 W MC KINLEY
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	1
Legal Lot Number	20.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	1
Census Block	1005
Census Tract	600

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Cazenovia Park-South Park System listed 1982 · 11 contributing resources · NRIS 82005028

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	191 HARDING RD, BUFFALO, NY 14220-2250
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2021 · Amount on Record
Deed Sale	Jul 12, 2021 · Amount on Record
Prior Sale	Nov 4, 2009 · Amount on Record
Deed Document Number	20212021134334
Deed Book / Page	11383 / 1933
Prior Transfer Date	Oct 11, 2016
Prior Transfer Doc	0113038045
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jul 12, 2021
Property Address	191 HARDING RD, BUFFALO, NY 14220-2250
Document Number	0113831933
Book / Page	11383 / 1933
Instrument Date	Jun 25, 2021
Instrument	2021134334
Transaction Type	Transfer
Record Updated	Sep 2, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	191 HARDING RD, 191, BUFFALO, NY 14220-2250

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4420 HAMMOCKS DR APT 305, 305, ERIE, PA 16506-7417

Mortgage

Document Number	0140038656
Date	Jul 12, 2021
Book Page	14003/8656
Instrument	2021134335

Lender

Name	CITIZENS BANK NA
Type	Bank
Address	PROVIDENCE, RI 02903

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Jul 1, 2028
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	7.75%
Index	Other
Max Rate	7.75%

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	$727.00 (-68.18%)
2025	$2,285.00 (-7.45%)	$220,000 (+44.74%) Land $21,000 Building $199,000	$220,000 (-10.99%) Land $21,000 Building $199,000
2024	$2,469.00 (+212.93%)	$152,000 (-) Land $10,700 Building $141,300	$247,154 (+13.82%) Land $17,398 Building $229,756
2023	$789.00	$152,000 Land $10,700 Building $141,300	$217,143 Land $15,286 Building $201,857

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 · 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 Claims	13 (1979–1987)
Most Recent Claim	Jun 1987 · river or lake flooding

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	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 1,165 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
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20