31 Treehaven Ln, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 31 Treehaven Ln, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,570 sqft · built 1966
Lot Size	1.98 acres (86,249 sqft)
Owner	2 Individual Names on File
Tax Bill	$8,407 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Nov 2017 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`144200 137.02-2-5`

Property Details

APN / Parcel Number

Primary APN	`144200 137.02-2-5`
Alternative APN	`42001370200002005000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,570 sqft Living Area
1st Floor Area	1,736 sqft
2nd Floor Area	834 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	86,249 sqft (1.98 acres)
Lot Dimensions	726 ft deep x 122 ft wide
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	445 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	31 TREEHAVEN LN
City	ELMA
State	NY
Zip	14059-9309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RB
Legal Subdivision	THE BUFFALO CREEK RESERVATION
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	1
Census Block	1000
Census Tract	14101

Owner

31 Treehaven Ln is owned and occupied by two individuals.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	31 TREEHAVEN LN, ELMA, NY 14059-9309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	31 TREEHAVEN LN, ELMA, NY 14059-9309
Transaction Type	Mortgage
Record Updated	Nov 4, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 TREEHAVEN LN, ELMA, NY 14059-9309

Mortgage

Document Number	0140633102
Date	Aug 10, 2022
Book Page	14063/3102
Instrument	2022151848

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 25, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	31 TREEHAVEN LN, ELMA, NY 14059-9309
Document Number	0138384452
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Oct 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 TREEHAVEN LN ELMA NY 140599309, ELMA, NY 14059-9309

Mortgage

Document Number	0138384452
Date	Dec 8, 2017
Book Page	013838/004452

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 7, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 31 Treehaven Ln was $8,407 with exemptions applied, down 38.3% 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	$8,407.00 (-38.3%) Homeowner's exemption Veteran's exemption
2025	$13,626.00 (+70.67%)	$13,300 (-) Land $2,500 Building $10,800	$511,550 (+3.85%) Land $96,156 Building $415,394
2024	$7,984.00 Homeowner's exemption Veteran's exemption	$13,300 (-) Land $2,500 Building $10,800	$492,593 (+3.7%) Land $92,593 Building $400,000
2023	Homeowner's exemption Veteran's exemption	$13,300 Land $2,500 Building $10,800	$475,000 Land $89,286 Building $385,714

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

Flood

FEMA maps place 31 Treehaven Ln 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	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

Wildfire risk around 31 Treehaven Ln 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 94% of the US · lower than 93% 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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