2931 Bowen Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 2931 Bowen Rd, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,285 sqft · built 1880
Lot Size	0.363 acres (15,795 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Mar 2021)
Tax Bill	$4,237 (2026)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`144200 137.02-1-25`

Property Details

APN / Parcel Number

Primary APN	`144200 137.02-1-25`
Alternative APN	`42001370200001025000`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,285 sqft Living Area
1st Floor Area	1,555 sqft
Upper Floors Area	727 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1880
Effective Year Built	Effective 2000
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	15,795 sqft (0.363 acres)
Lot Dimensions	242 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2931 BOWEN RD
City	ELMA
State	NY
Zip	14059-9420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	1
Legal Lot Number	25.000
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	3
Census Block	3039
Census Tract	14101

Owner

2931 Bowen Rd is owned and occupied by two individuals who bought it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2931 BOWEN RD, ELMA, NY 14059-9420
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
Mar 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Mar 11, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 11, 2021 · Amount on File
Deed Sale	Mar 11, 2021 · Amount on File
Prior Sale	Nov 8, 2013 · Amount on File
Deed Document Number	202146450
Deed Book / Page	11376 / 2244
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	2931 BOWEN RD, ELMA, NY 14059-9420
Transaction Type	Mortgage
Record Updated	Feb 16, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 ALASKA ST, CHEEKTOWAGA, NY 14206-2530

Mortgage

Document Number	0139845516
Date	Mar 11, 2021
Book Page	13984/5516
Instrument	2021046451

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Mar 11, 2021
Property Address	2931 BOWEN RD, ELMA, NY 14059-9420
Document Number	0113762244
Book / Page	11376 / 2244
Instrument Date	Mar 1, 2021
Instrument	2021046450
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount on Record
Tax	$1,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2931 BOWEN RD, 2931, ELMA, NY 14059-9420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2931 BOWEN RD, ELMA, NY 14059-9420

Tax Assessment & Valuation

The 2026 property tax bill for 2931 Bowen Rd was $4,237, up 268.4% 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	$4,237.00 (+268.43%)
2025	$1,150.00 (-71.62%)	$7,300 (-) Land $1,000 Building $6,300	$280,750 (+3.84%) Land $38,459 Building $242,291
2024	$4,052.00	$7,300 (-) Land $1,000 Building $6,300	$270,370 (+3.7%) Land $37,037 Building $233,333
2023		$7,300 Land $1,000 Building $6,300	$260,714 Land $35,714 Building $225,000

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 2931 Bowen Rd in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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
Nearby Flood Claims	2 (1999–2008)
Most Recent Claim	Dec 2008 · 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 2931 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 93% of the US · lower than 89% 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.

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 51 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

May also be available: T-Mobile.

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