20 Central Blvd, Buffalo, NY 14225 Property Records

Erie County and Cheektowaga Town property record for 20 Central Blvd, Buffalo, NY 14225

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1949
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$74,900 (Sep 1997)
Tax Bill	$5,651 (2026)
Deeds & Mortgages	Jun 2026 Second Mortgage Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (moderate risk)
APN	`034-0213000`

Property Details

APN / Parcel Number

Primary APN	`034-0213000`
Alternative APNs	`30891022200007011000` `143089 102.22-7-11`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	728 sqft
Upper Floors Area	546 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	104 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	034-0213000
Street Address	20 CENTRAL BLVD
City	BUFFALO
State	NY
Zip	14225-4107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 1469 SL 22
Legal Subdivision	THE HOLLAND LAND COMPANYS SURVEY
Legal Block	7
Legal Lot Number	11.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	2
Census Block	2002
Census Tract	10700

Owner

20 Central Blvd is owned and occupied by an individual who bought it in September 1997.

Source: Erie County and Cheektowaga Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	20 CENTRAL BLVD, BUFFALO, NY 14225-4107
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

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Sep 10, 2025	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 1997 · Amount on File
Deed Sale	Sep 30, 1997 · Amount on File
Deed Book / Page	10921 / 9096
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Recording Date	Jun 24, 2026
Property Address	20 CENTRAL BLVD, BUFFALO, NY 14225-4107
Document Number	0000114645
Book / Page	14202 / 6742
Instrument Date	Jun 15, 2026
Instrument	2026114645
Transaction Type	Mortgage
Record Updated	Jul 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CENTRAL BLVD, BUFFALO, NY 14225-4107

Mortgage

Document Number	0000114645,
Date	Jun 24, 2026
Book Page	14202/6742
Instrument	2026114645

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2046

Interest

Rate	6.36%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 CENTRAL BLVD, CHEEKTOWAGA, NY 14225-4107
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CENTRAL BLVD, BUFFALO, NY 14225-4107

Mortgage

Document Number	0141736519
Date	Sep 10, 2025
Book Page	14173/6519
Instrument	2025165454

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 CENTRAL BLVD, CHEEKTOWAGA, NY 14225-4107
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CENTRAL BLVD, CHEEKTOWAGA, NY 14225-4107

Mortgage

Document Number	0139621489
Date	Oct 26, 2020
Book Page	13962/1489
Instrument	2020181912

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2040

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 CENTRAL BLVD, CHEEKTOWAGA, NY 14225-4107
Transaction Type	Mortgage
Record Updated	Apr 14, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 CENTRAL BLVD, BUFFALO, NY 14225-4107

Mortgage

Document Number	0140266130
Date	Nov 19, 2021
Book Page	14026/6130
Instrument	2021232011

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 20 Central Blvd was $5,651 with a homeowner's exemption, up 111.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Cheektowaga Town
Unified School District	Cheektowaga Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,651.00 (+111.57%) Homeowner's exemption
2025	$2,671.00 (-42.24%)	$147,000 (-) Land $11,000 Building $136,000	$196,000 (+6.67%) Land $14,667 Building $181,333
2024	$4,624.00 Homeowner's exemption	$147,000 (-) Land $11,000 Building $136,000	$183,750 (+13.75%) Land $13,750 Building $170,000
2023	Homeowner's exemption	$147,000 Land $11,000 Building $136,000	$161,538 Land $12,088 Building $149,450

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

Flood

FEMA maps place 20 Central Blvd in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1979–1980)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 1980 · tidal / storm surge

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

The area around 20 Central Blvd has no burnable land within ember reach, so its wildfire risk is not rated.

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	ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	6 ppb (2025) 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 575 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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