20 Gary Ln, Buffalo, NY 14227 Property Records

Erie County and Cheektowaga Town property record for 20 Gary Ln, Buffalo, NY 14227

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1968
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$65,000 (Dec 1994)
Tax Bill	$5,857 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`043-0519000`

Property Details

APN / Parcel Number

Primary APN	`043-0519000`
Alternative APNs	`30891251200003008000` `143089 125.12-3-8`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	148 ft deep x 50.4 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	96 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	043-0519000
Street Address	20 GARY LN
City	BUFFALO
State	NY
Zip	14227-3235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 2250 SL 10
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	3
Legal Lot Number	8.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	2
Census Block	2002
Census Tract	10805

Owner

Source: Erie County and Cheektowaga 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	20 GARY LN, BUFFALO, NY 14227-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Jun 18, 2018	Deed of Trust, Mortgage · Line of Credit SUMMIT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 1994 · Amount on Record
Deed Sale	Dec 23, 1994 · Amount on Record
Deed Book / Page	10881 / 2510
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 GARY LN, CHEEKTOWAGA, NY 14227-3235
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARY LN, CHEEKTOWAGA, NY 14227-3235

Mortgage

Document Number	0141916620
Date	Mar 2, 2026
Book Page	14191/6620
Instrument	2026037485

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 GARY LN, CHEEKTOWAGA, NY 14227-3235
Document Number	0138600091
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 GARY LN CHEEKTOWAGA NY 142273235, CHEEKTOWAGA, NY 14227-3235

Mortgage

Document Number	0138600091
Date	Jun 22, 2018
Book Page	013860/000091

Lender

Name	SUMMIT FCU
Type	Credit Union
Address	ROCHESTER, NY 14626

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jun 21, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	West Seneca Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,857.00 (+1.47%) Homeowner's exemption
2025	$5,772.00 (+4.91%)	$179,000 (-) Land $19,200 Building $159,800	$238,667 (+6.67%) Land $25,600 Building $213,067
2024	$5,502.00 Homeowner's exemption	$179,000 (-) Land $19,200 Building $159,800	$223,750 (+13.75%) Land $24,000 Building $199,750
2023	Homeowner's exemption	$179,000 Land $19,200 Building $159,800	$196,703 Land $21,099 Building $175,604

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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	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 574 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless · Fiber in parts of the area	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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