2860 Bowen Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 2860 Bowen Rd, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 932 sqft · built 1900
Lot Size	22.5 acres (980,100 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,371 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`144200 137.01-3-56`

Property Details

APN / Parcel Number

Primary APN	`144200 137.01-3-56`
Alternative APN	`42001370100003056000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	932 sqft Living Area
1st Floor Area	839 sqft
Upper Floors Area	93 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	980,100 sqft (22.5 acres)
Lot Width	205 ft Width
Garage Type	Carport
Garage Area	413 sqft
Carport	Carport
Carport Area	413 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	105 sqft
Silo	Silo

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	2860 BOWEN RD
City	ELMA
State	NY
Zip	14059-9464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	3
Legal Lot Number	56.000
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	3
Census Block	3013
Census Tract	14102

Owner

2860 Bowen Rd is owned and occupied by two individuals who acquired it in February 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	2860 BOWEN RD, ELMA, NY 14059-9464
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
Dec 15, 2022	Deed of Trust, Mortgage · Line of Credit GREAT ERIE FCU
Oct 26, 2017	Deed of Trust, Mortgage · Line of Credit GREAT ERIE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 5, 2016
Transfer Doc	0112919535
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	2860 BOWEN RD, ELMA, NY 14059-9464
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2860 BOWEN RD, ELMA, NY 14059-9464

Mortgage

Document Number	0140777543
Date	Dec 15, 2022
Book Page	14077/7543
Instrument	2022234357

Lender

Name	GREAT ERIE FCU
Type	Credit Union
Address	ORCHARD PARK, NY 14127

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 14, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	2860 BOWEN RD, ELMA, NY 14059-9464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0138328882
Date	Oct 26, 2017
Book Page	13832/8882
Instrument	2017216894

Lender

Name	GREAT ERIE FCU
Type	Credit Union
Address	ORCHARD PARK, NY 14127

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 2860 Bowen Rd was $4,371 with a homeowner's exemption, down 37.4% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Elma Town
Unified School District	Iroquois Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,371.00 (-37.4%) Homeowner's exemption
2025	$6,982.00 (+72.95%)	$7,700 (-) Land $3,800 Building $3,900	$296,150 (+3.84%) Land $146,152 Building $149,998
2024	$4,037.00 Homeowner's exemption Additional exemption filed	$7,700 (-) Land $3,800 Building $3,900	$285,185 (+3.7%) Land $140,741 Building $144,444
2023	Homeowner's exemption	$7,700 Land $3,800 Building $3,900	$275,000 Land $135,714 Building $139,286

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

Flood

FEMA maps place 2860 Bowen Rd in Zone AE, a high-risk flood area; 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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jan 2018 · 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

Wildfire risk around 2860 Bowen Rd is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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