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40 Lois Dr, Buffalo, NY 14227 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,654 sqft · built 1965
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on File
Last Sale$315,000 (Aug 2025)
Tax Bill$6,795 (2026)
Deeds & MortgagesAug 2025 Sale & Mortgage
Nov 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN143089 125.10-16-11

Property Details

APN / Parcel Number

Primary APN143089 125.10-16-11
Alternative APNs
  • 30891251000016011000
  • 040 0114000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,654 sqft Living Area
1st Floor Area1,042 sqft
Upper Floors Area612 sqft

Exterior

Year BuiltBuilt 1965
Effective Year BuiltEffective 1965
Architectural StyleCape Cod
Exterior MaterialWood
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions121 ft deep x 57 ft wide
Garage TypeAttached
Garage Area334 sqft
Parking Spaces1 Parking Space
PorchPatio
Porch Area133 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number040 0114000
Street Address40 LOIS DR
CityBUFFALO
StateNY
Zip14227-3509
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02R
Legal DescriptionMC 2196 SL 64
Legal SubdivisionTHE BUFALLO CREEK RESERVATION
Legal Block16
Legal Lot Number11.000
JurisdictionERIE NY
Township / Civil DivisionCHEEKTOWAGA
Census Block Group2
Census Block2003
Census Tract10807

Owner

40 Lois Dr is owned and occupied by two individuals who bought it in August 2025.

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

Owner of Record2 Individual Names on File
Mailing Address40 LOIS DR, BUFFALO, NY 14227-3509
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants with Right of Survivorship

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

DateDocument
Aug 27, 2025Warranty Deed, Transfer · Conventional Mortgage
M & T BANK
Nov 18, 2020Warranty Deed, Transfer · Conventional Mortgage
ROYAL UNITED MTG
Jun 22, 2018Quit Claim Deed, Transfer
Quitclaim

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 27, 2025 · Amount on File
Deed SaleAug 27, 2025 · Amount on File
Prior SaleNov 18, 2020 · Amount on File
Deed Document Number2025156106
Deed Book / Page11449 / 7792
Prior Transfer DateJun 15, 2018
Prior Transfer Doc0113308499
Record UpdatedOct 29, 2026

August 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionERIE NY
Recording DateAug 27, 2025
Property Address40 LOIS DR, BUFFALO, NY 14227-3509
Document Number0114497792
Book / Page11449 / 7792
Instrument DateAug 27, 2025
Instrument2025156106
Transaction TypeTransfer
Record UpdatedOct 7, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,260.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address40 LOIS DR, CHEEKTOWAGA, NY 14227-3509

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address40 LOIS DR, CHEEKTOWAGA, NY 14227-3509

Mortgage

Document Number0014172444
DateAug 27, 2025
Instrument14172/444
Lender
NameM & T BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2055

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionERIE NY
Recording DateNov 18, 2020
Property Address40 LOIS DR, BUFFALO, NY 14227-3509
Document Number0000197439
Book / Page011369 / 005937
Instrument DateOct 23, 2020
Instrument197439
Transaction TypeTransfer
Record UpdatedDec 15, 2020
Title CompanyTIMIOS INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$185.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address40 LOIS DR BUFFALO NY 142273509, BUFFALO, NY 14227-3509

Mortgage

Document Number139657456
DateNov 18, 2020
Book Page013965/007456
Lender
NameROYAL UNITED MTG
TypeMortgage Company
AddressINDIANAPOLIS, IN 46250
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueNov 17, 2050

June 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionERIE NY
Recording DateJun 22, 2018
Property Address40 LOIS DR, BUFFALO, NY 14227-3509
Document Number0113308499
Book / Page011330 / 008499
Instrument DateJun 15, 2018
Transaction TypeTransfer
Record UpdatedAug 23, 2018

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address404 CENTRAL AVE LANCASTER NY 140861228, LANCASTER, NY 14086-1228

Tax Assessment & Valuation

The 2026 property tax bill for 40 Lois Dr was $6,795, up 95.7% from the year before.

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

Property Jurisdictions

TypeName
StateNew York
CountyErie County
County SubdivisionCheektowaga Town
Unified School DistrictWest Seneca Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,795.00 (+95.65%)
2025$3,473.00 (-45.61%)$209,000 (-) Land $19,600 Building $189,400$278,667 (+6.67%) Land $26,133 Building $252,534
2024$6,385.00$209,000 (-) Land $19,600 Building $189,400$261,250 (+13.75%) Land $24,500 Building $236,750
2023$209,000 Land $19,600 Building $189,400$229,670 Land $21,538 Building $208,132

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

Flood

FEMA maps place 40 Lois Dr in Zone X, an area of minimal flood risk, though there have been 2 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims2 (1979–1986)
Most Recent ClaimOct 1986 · 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

The area around 40 Lois Dr 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 RiskNot 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 SystemECWA DIRECT
public/private · serves 313,380 people · EPA ID NY1400443
Water SourceSurface water
Last State InspectionNov 2025
Lead6 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 752 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Greenlight Networks
Fiber		8,000 / 8,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless · Fiber in parts of the area		300 / 20

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