Erie County and Tonawanda City property record for 295 Adam St, Tonawanda, NY 14150
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,650 sqft · built 1910 |
| Lot Size | 0.122 acres (5,280 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,558 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage Sep 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 141600 38.59-5-4 |
| Primary APN | 141600 38.59-5-4 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| 1st Floor Area | 943 sqft |
| Upper Floors Area | 707 sqft |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,280 sqft (0.122 acres) |
| Lot Dimensions | 132 ft deep x 40 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 161 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 001 0178000 |
|---|---|
| Street Address | 295 ADAM ST |
| City | TONAWANDA |
| State | NY |
| Zip | 14150-1901 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ER GL 86 PL45 BL111 M4 L13 B5 4O X 132 |
| Legal Subdivision | NIAGARA RIVER RESERVATION |
| Legal Block | 5 |
| Legal Lot Number | 4.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | TONAWANDA |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 7800 |
295 Adam St is owned and occupied by two individuals who acquired it in December 2000.
Source: Erie County and Tonawanda City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 ADAM ST, TONAWANDA, NY 14150-1901 |
| 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.
| Date | Document |
|---|---|
| Oct 8, 2025 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Sep 19, 2023 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 8, 2000 |
| Transfer Doc | 0000001072 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 295 ADAM ST, TONAWANDA, NY 14150-1901 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2025 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 295 ADAM ST, TONAWANDA, NY 14150-1901 |
| Document Number | 0141767884 |
|---|---|
| Date | Oct 8, 2025 |
| Book Page | 14176/7884 |
| Instrument | 2025183809 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 295 ADAM ST, TONAWANDA, NY 14150-1901 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 295 ADAM ST, TONAWANDA, NY 14150-1901 |
| Document Number | 0141040999 |
|---|---|
| Date | Sep 19, 2023 |
| Book Page | 14104/999 |
| Instrument | 2023161013 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | TONAWANDA, NY 14150 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 18, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 295 Adam St was $3,558 with exemptions applied, down 7.2% from the year before.
Source: Erie County and Tonawanda City assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| Municipality | Tonawanda City |
| Unified School District | Tonawanda City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,558.00 (-7.22%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $3,835.00 (-35.69%) | $227,800 (+6.95%) Land $17,100 Building $210,700 | $261,839 (+14.34%) Land $19,655 Building $242,184 |
| 2024 | $5,963.00 Homeowner's exemption Senior Citizen's exemption | $213,000 (-) Land $17,100 Building $195,900 | $229,000 (+7.51%) Land $18,385 Building $210,615 |
| 2023 | Homeowner's exemption Senior Citizen's exemption | $213,000 Land $17,100 Building $195,900 | $213,000 Land $17,100 Building $195,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 295 Adam 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 295 Adam St 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 | None beyond ember reach |
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 | ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 6 ppb (2025) 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 275 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: Verizon.
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