Erie County and Elma Town property record for 2565 Bowen Rd, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 4,381 sqft · built 1840 |
| Lot Size | 1.6 acres (69,696 sqft) |
| Owner | Individual Name on File |
| Last Sale | $900,000 (Sep 2025) |
| Tax Bill | $11,583 (2026) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Mar 2022 Sale & Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 144200 137.03-4-5 |
| Primary APN | 144200 137.03-4-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,381 sqft Living Area |
| 1st Floor Area | 2,311 sqft |
| Upper Floors Area | 2,070 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1840 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 69,696 sqft (1.6 acres) |
| Lot Width | 171 ft Width |
| Garage Type | Attached |
| Garage Area | 916 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 661 sqft |
| Shed | 1 Shed |
| Shed Area | 40 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2565 BOWEN RD |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9417 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Subdivision | THE BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 5.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 14101 |
2565 Bowen Rd is owned and occupied by an individual who bought it in September 2025.
Source: Erie County and Elma Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 4, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOMESTEAD FUNDING CORP |
| Mar 10, 2022 | Bargain and Sale Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC |
| Mar 10, 2022 | Warranty Deed, Transfer |
| Jan 16, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Aug 25, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on File |
| Deed Sale | Sep 4, 2025 · Amount on File |
| Prior Sale | Mar 10, 2022 · Amount on File |
| Deed Document Number | 2025161137 |
| Deed Book / Page | 11450 / 1394 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Sep 4, 2025 |
| Property Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Document Number | 0114501394 |
| Book / Page | 11450 / 1394 |
| Instrument Date | Aug 8, 2025 |
| Instrument | 2025161137 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Name | Verified Name |
|---|---|
| Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Document Number | 0141729291 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 14172/9291 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 10, 2022 |
| Property Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Document Number | 0113979922 |
| Book / Page | 11397 / 9922 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 2022048523 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 90 HINMAN ST, 90, CHESHIRE, CT 06410-2503 |
| Name | Verified Name |
|---|---|
| Address | 5325 SHERIDAN DR UNIT 295, 295, WILLIAMSVILLE, NY 14231-7005 |
| Document Number | 0140437467 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 14043/7467 |
| Name | SIRVA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 10, 2022 |
| Property Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Document Number | 0113979918 |
| Book / Page | 11397 / 9918 |
| Instrument Date | Feb 9, 2022 |
| Instrument | 2022048522 |
| Transaction Type | Transfer |
| Record Updated | May 17, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $3,120.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2565 BOWEN RD, 2565, ELMA, NY 14059-9417 |
| Name | Verified Name |
|---|---|
| Address | 135 CORPORATE WOODS # 30, 30, ROCHESTER, NY 14623-1473 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138427890 |
|---|---|
| Date | Jan 16, 2018 |
| Book Page | 13842/7890 |
| Instrument | 2018009703 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Aug 25, 2017 |
| Property Address | 2565 BOWEN RD, ELMA, NY 14059-9417 |
| Document Number | 0113177934 |
| Book / Page | 11317 / 7934 |
| Instrument Date | Aug 22, 2017 |
| Instrument | 2017171616 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $2,600.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2565 BOWEN RD, 2565, ELMA, NY 14059-9417 |
| Name | Verified Name |
|---|---|
| Address | 3700 SARAH SPRINGS TRL, FLOWER MOUND, TX 75022-6156 |
The 2026 property tax bill for 2565 Bowen Rd was $11,583, up 263.8% from the year before.
Source: Erie County and Elma Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Elma Town |
| Unified School District | Iroquois Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $11,583.00 (+263.79%) | ||
| 2025 | $3,184.00 (-71.6%) | $20,200 (-) Land $1,700 Building $18,500 | $776,900 (+3.84%) Land $65,383 Building $711,517 |
| 2024 | $11,212.00 | $20,200 (-) Land $1,700 Building $18,500 | $748,148 (+3.7%) Land $62,963 Building $685,185 |
| 2023 | $20,200 Land $1,700 Building $18,500 | $721,429 Land $60,714 Building $660,715 |
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.
FEMA maps place 2565 Bowen Rd in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 risk around 2565 Bowen Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 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 Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures