40 Carmel Rd, Buffalo, NY 14214 Property Records

Erie County and Buffalo City property record for 40 Carmel Rd, Buffalo, NY 14214

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,784 sqft · built 1920
Lot Size	0.111 acres (4,840 sqft)
Owner	Individual Name on File
Last Sale	$432,000 (Jul 2023)
Tax Bill	$1,417 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`140200 78.68-4-13`

Property Details

APN / Parcel Number

Primary APN	`140200 78.68-4-13`
Alternative APNs	`02000786800004013000` `06957700`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,784 sqft Total Area
1st Floor Area	1,488 sqft
2nd Floor Area	1,296 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,840 sqft (0.111 acres)
Lot Dimensions	121 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	06957700
Street Address	40 CARMEL RD
City	BUFFALO
State	NY
Zip	14214-1006
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	N-3R
Legal Description	36O. N HERTEL
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	4
Legal Lot Number	13.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	6
Census Block	6001
Census Tract	4500

Owner

40 Carmel Rd, a duplex, is owned and occupied by an individual who bought it in July 2023.

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	40 CARMEL RD, BUFFALO, NY 14214-1006
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
Jan 13, 2022	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Jul 14, 2023	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC
May 14, 2019	Loan Modification, Mortgage BANK OF AKRON
May 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AKRON
Nov 20, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF AKRON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2023 · Amount on File
Deed Sale	Jul 14, 2023 · Amount on File
Prior Sale	Nov 20, 2018 · Amount on File
Deed Document Number	2023119506
Deed Book / Page	11419 / 3578
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 PARKSIDE AVE, BUFFALO, NY 14216-2804

Mortgage

Document Number	0140351087
Date	Jan 13, 2022
Book Page	14035/1087
Instrument	2022007984

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Dec 8, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Jul 14, 2023
Property Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Document Number	0114193578
Book / Page	11419 / 3578
Instrument Date	Jul 10, 2023
Instrument	2023119506
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,728.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 PARKSIDE AVE, BUFFALO, NY 14216-2804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Investor	Possibly a Property Investor

Mortgage

Document Number	0140969106
Date	Jul 14, 2023
Instrument	14096/9106

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

May 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ERIE NY
Property Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Document Number	0113443741
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 PARKSIDE AVE BUFFALO NY 142162804, BUFFALO, NY 14216-2804

Mortgage

Document Number	0113443741
Date	May 14, 2019
Book Page	011344/003741

Lender

Name	BANK OF AKRON
Type	Bank
Address	CLARENCE, NY 14031

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.25%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Document Number	0138958924
Instrument Date	May 14, 2019
Transaction Type	Mortgage
Record Updated	May 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 PARKSIDE AVE BUFFALO NY 142162804, BUFFALO, NY 14216-2804

Mortgage

Document Number	0138958924
Date	May 14, 2019
Book Page	013895/008924

Lender

Name	BANK OF AKRON
Type	Bank
Address	AKRON, NY 14001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 13, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Nov 20, 2018
Property Address	40 CARMEL RD, BUFFALO, NY 14214-1006
Document Number	0113375633
Book / Page	011337 / 005633
Instrument Date	Nov 14, 2018
Transaction Type	Transfer
Record Updated	Dec 11, 2018

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$219.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 PARKSIDE AVE BUFFALO NY 142162804, BUFFALO, NY 14216-2804

Mortgage

Document Number	138784212
Date	Nov 20, 2018
Book Page	013878/004212

Lender

Name	BANK OF AKRON
Type	Bank
Address	AKRON, NY 14001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 19, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

The 2026 property tax bill for 40 Carmel Rd was $1,417, down 64.8% from the year before.

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,417.00 (-64.82%)
2025	$4,028.00 (+12.73%)	$429,000 (+95%) Land $58,000 Building $371,000	$429,000 (+19.92%) Land $58,000 Building $371,000
2024	$3,573.00 (+212.6%)	$220,000 (-) Land $40,000 Building $180,000	$357,724 (+13.82%) Land $65,041 Building $292,683
2023	$1,143.00	$220,000 (-) Land $40,000 Building $180,000	$314,286 (+11.41%) Land $57,143 Building $257,143
2022		$220,000 Land $40,000 Building $180,000	$282,100 Land $51,291 Building $230,809

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

Flood

FEMA maps place 40 Carmel Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1987.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1987–2017)
Claims Outside the SFHA	1 of 2
Most Recent Claim	May 2017 · 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

The area around 40 Carmel Rd has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 1,064 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Greenlight Networks, T-Mobile.

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