40 Garnet Dr, Buffalo, NY 14227 Property Records

Erie County and Cheektowaga Town property record for 40 Garnet Dr, Buffalo, NY 14227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,982 sqft · built 2002
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,096 (2026)
Deeds & Mortgages	Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`143089 114.18-8-6`

Property Details

APN / Parcel Number

Primary APN	`143089 114.18-8-6`
Alternative APNs	`30891141800008006000` `003 0058010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,982 sqft Living Area
1st Floor Area	1,033 sqft
2nd Floor Area	949 sqft
Basement Area	650 sqft
Finished Basement	650 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	148 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	442 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	003 0058010
Street Address	40 GARNET DR
City	BUFFALO
State	NY
Zip	14227-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 2750 SL 98
Legal Subdivision	EMERALD GARDENS
Legal Block	8
Legal Lot Number	6.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	1
Census Block	1004
Census Tract	10809

Owner

40 Garnet Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	40 GARNET DR, BUFFALO, NY 14227-2448
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

Assessor's Deed Record

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	40 GARNET DR, CHEEKTOWAGA, NY 14227-2448
Document Number	0138032705
Book / Page	013803 / 002705
Instrument Date	Feb 22, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 GARNET DR CHEEKTOWAGA NY 142272448, CHEEKTOWAGA, NY 14227-2448

Mortgage

Document Number	0138032705
Date	Mar 2, 2017
Book Page	013803/002705

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 40 Garnet Dr was $11,096, up 125.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Cheektowaga Town
Unified School District	Cheektowaga Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,096.00 (+125.25%)
2025	$4,926.00 (-44.96%)	$303,000 (-) Land $34,100 Building $268,900	$404,000 (+6.67%) Land $45,467 Building $358,533
2024	$8,950.00	$303,000 (-) Land $34,100 Building $268,900	$378,750 (+13.75%) Land $42,625 Building $336,125
2023		$303,000 Land $34,100 Building $268,900	$332,967 Land $37,473 Building $295,494

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

Flood

FEMA maps place 40 Garnet Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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 Policies	1 in force
Nearby Flood Claims	3 (1979–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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 40 Garnet Dr is low, with less than 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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	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

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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks, Verizon.

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