20 Naples Dr, Buffalo, NY 14224 Property Records

Erie County and West Seneca Town property record for 20 Naples Dr, Buffalo, NY 14224

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,284 sqft · built 1975
Lot Size	0.407 acres (17,708 sqft)
Owner	2 Individual Names on File
Last Sale	$148,000 (Jun 2016)
Tax Bill	$5,789 (2026)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-054-565`

Property Details

APN / Parcel Number

Primary APN	`31-054-565`
Alternative APNs	`68001441600001031000` `146800 144.16-1-31`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,284 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	276 sqft
Finished Basement	276 sqft

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Lot Area	17,708 sqft (0.407 acres)
Lot Dimensions	233 ft deep x 76.1 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	31-054-565
Street Address	20 NAPLES DR
City	BUFFALO
State	NY
Zip	14224-4407
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	05 - COMME
Legal Description	MC-2341 SL-112 (FL-389) WESTWOOD ACRE'S S/D 76.10 X 233.02 IRR.
Legal Subdivision	WESTWOOD ACRES
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	ERIE NY
Township / Civil Division	WEST SENECA
Census Block Group	3
Census Block	3000
Census Tract	17302

Owner

Source: Erie County and West Seneca 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	2 Individual Names on File
Mailing Address	20 NAPLES DR, BUFFALO, NY 14224-4407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2016 · Amount on File
Deed Sale	Jun 23, 2016 · Amount on File
Prior Sale	Feb 8, 2011 · Amount on File
Deed Document Number	2016129051
Deed Book / Page	11297 / 7857
Prior Transfer Date	Aug 5, 2005
Prior Transfer Doc	0110995310
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	20 NAPLES DR, BUFFALO, NY 14224-4407
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 NAPLES DR, WEST SENECA, NY 14224-4407

Mortgage

Document Number	0140307846
Date	Dec 15, 2021
Book Page	14030/7846
Instrument	2021250204

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	West Seneca Town
Unified School District	Orchard Park Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,789.00 (+94.52%)
2025	$2,976.00 (-46.81%)	$56,200 (-) Land $10,800 Building $45,400	$234,200 (+4.18%) Land $45,006 Building $189,194
2024	$5,595.00 (+4.02%)	$56,200 (-) Land $10,800 Building $45,400	$224,800 (+4%) Land $43,200 Building $181,600
2023		$56,200 Land $10,800 Building $45,400	$216,154 Land $41,538 Building $174,616
2019	$5,379.00

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.

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 Policies	1 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	Low lower than 96% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ECWA WEST SENECA serves 23,557 people · EPA ID NY1404543
Water Source	Purchased surface water from ECWA DIRECT
Last State Inspection	Nov 2025
Lead	10 ppb (2020–2022) 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 407 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20