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28 Germain St, Buffalo, NY 14207 Property Records

Erie County and Buffalo City property record for 28 Germain St, Buffalo, NY 14207

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,560 sqft · built 1900
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on File
Last Sale$128,000 (Feb 2022)
Tax Bill$409 (2026)
Deeds & MortgagesFeb 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN140200 88.35-7-10

Property Details

APN / Parcel Number

Primary APN140200 88.35-7-10
Alternative APNs
  • 02000883500007010000
  • 05516700

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,560 sqft Living Area
1st Floor Area1,357 sqft
AtticAttic
Attic Area203 sqft

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Foundation TypeRaised
Lot Area5,227 sqft (0.12 acres)
Lot Width30 ft Width
PorchSlab
Porch Area48 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number05516700
Street Address28 GERMAIN ST
CityBUFFALO
StateNY
Zip14207-2819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeN-2R
Legal Description15O. S AMHERST 181.55
Legal SubdivisionPARISH TRACT
Legal Block7
Legal Lot Number10.000
JurisdictionERIE NY
Township / Civil DivisionBUFFALO
Census Block Group2
Census Block2003
Census Tract5500

Owner

28 Germain St is owned and occupied by two individuals who bought it in February 2022.

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner of Record2 Individual Names on File
Mailing Address28 GERMAIN ST, BUFFALO, NY 14207-2819
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 4, 2022 · Amount on File
Deed SaleFeb 4, 2022 · Amount on File
Prior SaleNov 19, 2010 · Amount on File
Deed Document Number202224657
Deed Book / Page11395 / 8011
Prior Transfer DateJul 28, 2010
Prior Transfer Doc0111856438
Record UpdatedOct 29, 2026

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionERIE NY
Recording DateFeb 4, 2022
Property Address28 GERMAIN ST, BUFFALO, NY 14207-2819
Document Number0113958011
Book / Page11395 / 8011
Instrument DateJan 27, 2022
Instrument2022024657
Transaction TypeTransfer
Record UpdatedApr 3, 2026
Title CompanyMORTGAGE TITLE, MORTGAGE TITLE GUARANTY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$512.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address28 GERMAIN ST, BUFFALO, NY 14207-2819

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address28 GERMAIN ST, BUFFALO, NY 14207-2819

Mortgage

Document Number0140388322
DateFeb 4, 2022
Instrument14038/8322
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 28 Germain St was $409, down 64.8% from the year before.

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

TypeName
StateNew York
CountyErie County
MunicipalityBuffalo City
Unified School DistrictBuffalo City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$409.00 (-64.77%)
2025$1,161.00 (-12.71%)$124,000 (+96.83%) Land $13,000 Building $111,000$124,000 (+21.05%) Land $13,000 Building $111,000
2024$1,330.00 (+715.95%)$63,000 (-) Land $4,500 Building $58,500$102,439 (+13.82%) Land $7,317 Building $95,122
2023$163.00$63,000 Land $4,500 Building $58,500$90,000 Land $6,429 Building $83,571

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

FEMA maps place 28 Germain St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 20, 2024

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 28 Germain St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.1% of the US · lower than 99.2% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemBUFFALO WATER AUTHORITY
serves 276,000 people · EPA ID NY1400422
Water SourceSurface water
Last State InspectionJul 2023
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 369 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: Greenlight Networks.

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