31 Union St, Gowanda, NY 14070 Property Records

Erie County and Collins Town property record for 31 Union St, Gowanda, NY 14070

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,348 sqft · built 1900
Lot Size	0.251 acres (10,904 sqft)
Owner	Individual Name on Record
Last Sale	$69,000 (Dec 2021)
Tax Bill	$3,081 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`201-0064000`

Property Details

APN / Parcel Number

Primary APN	`201-0064000`
Alternative APNs	`36013491500001036000` `143601 349.15-1-36`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,348 sqft Living Area
1st Floor Area	932 sqft
2nd Floor Area	416 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,904 sqft (0.251 acres)
Lot Dimensions	188 ft deep x 57.8 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	280 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	201-0064000
Street Address	31 UNION ST
City	GOWANDA
State	NY
Zip	14070-1024
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THEON C E K HGWY JOHNSON .26AC
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	1
Legal Lot Number	36.000
Jurisdiction	ERIE NY
Township / Civil Division	COLLINS
Census Block Group	2
Census Block	2022
Census Tract	17501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	31 UNION ST, GOWANDA, NY 14070-1024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Deed of Trust, Mortgage COUNTY OF ERIE
Dec 6, 2021	Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Jan 27, 2016 · Amount on Record
Deed Document Number	2021242821
Deed Book / Page	11392 / 2311
Prior Transfer Date	Dec 23, 2009
Prior Transfer Doc	0111779550
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	31 UNION ST, GOWANDA, NY 14070-1024
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 UNION ST, GOWANDA, NY 14070-1024

Mortgage

Document Number	0141140369
Date	Dec 20, 2023
Book Page	14114/369
Instrument	2023219344

Lender

Name	COUNTY OF ERIE
Type	Government Agency
Address	BUFFALO, NY 14202

Agreement

Amount	Amount Recorded

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ERIE NY
Recording Date	Dec 6, 2021
Property Address	31 UNION ST, GOWANDA, NY 14070-1024
Document Number	0113922311
Book / Page	11392 / 2311
Instrument Date	Dec 3, 2021
Instrument	2021242821
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 UNION ST, 31, GOWANDA, NY 14070-1024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 UNION ST, GOWANDA, NY 14070-1024

Mortgage

Document Number	0140291910
Date	Dec 6, 2021
Instrument	14029/1910

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Nov 17, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Collins Town
Municipality	Gowanda Village
Unified School District	Gowanda Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,081.00 (+390.61%)
2025	$628.00 (-62.73%)	$44,900 (-) Land $3,300 Building $41,600	$160,400 (+21.46%) Land $11,789 Building $148,611
2024	$1,685.00	$44,900 (-) Land $3,300 Building $41,600	$132,059 (+5.9%) Land $9,706 Building $122,353
2023		$44,900 (-) Land $3,300 Building $41,600	$124,700 (+16.65%) Land $9,165 Building $115,535
2022		$44,900 Land $3,300 Building $41,600	$106,900 Land $7,857 Building $99,043
2021	$586.00

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

Flood

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	11 (1996–2022)
Claims Outside the SFHA	6 of 11
Most Recent Claim	Feb 2022 · tidal / storm surge
Claims by Event	Severe Storms And Flooding, Aug 2009 · 7 claims

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GOWANDA VILLAGE serves 2,800 people · EPA ID NY0400340
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Apr 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 225 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
Starlink Satellite	280 / 30

May also be available: Armstrong.

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