Erie County and Elma Town property record for 40 Sawmill Ct, Elma, NY 14059
| Property Type | Townhouse |
|---|---|
| Details | 2 bd · 2.5 ba · 1,788 sqft · built 1990 |
| Lot Size | 0.041 acres (1,800 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Dec 2022) |
| Tax Bill | $5,746 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 144200 137.03-5-40.1/40 |
| Primary APN | 144200 137.03-5-40.1/40 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,788 sqft Living Area |
| 1st Floor Area | 953 sqft |
| 2nd Floor Area | 835 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Other |
| Exterior Material | Wood |
| Lot Area | 1,800 sqft (0.041 acres) |
| Lot Dimensions | 50 ft deep x 36 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 40 SAWMILL CT |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9421 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 5 |
| Legal Lot Number | 40.100 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 14101 |
40 Sawmill Ct, a townhouse, is owned and occupied by two individuals who bought it in December 2022.
Source: Erie County and Elma Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| 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.
| Date | Document |
|---|---|
| Apr 20, 2026 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS BANK AND TRUST COMPANY |
| Oct 10, 2022 | Deed of Trust, Mortgage · Line of Credit GREAT ERIE FCU |
| Dec 19, 2022 | Warranty Deed, Transfer |
| Jul 31, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2022 · Amount on File |
| Deed Sale | Dec 19, 2022 · Amount on File |
| Prior Sale | Jul 31, 2019 · Amount on File |
| Deed Document Number | 2022236368 |
| Deed Book / Page | 11412 / 536 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Apr 20, 2026 |
| Property Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Number | 0141961297 |
| Book / Page | 14196 / 1297 |
| Instrument Date | Apr 3, 2026 |
| Instrument | 202672812 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Number | 0000072812, |
|---|---|
| Date | Apr 20, 2026 |
| Book Page | 14196/1297 |
| Instrument | 202672812 |
| Name | MANUFACTURERS BANK AND TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Initial Type | Adjustable Rate |
| Change Frequency | Monthly |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Transaction Type | Mortgage |
| Record Updated | Dec 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Number | 0140706533 |
|---|---|
| Date | Oct 10, 2022 |
| Book Page | 14070/6533 |
| Instrument | 2022192765 |
| Name | GREAT ERIE FCU |
|---|---|
| Type | Credit Union |
| Address | ORCHARD PARK, NY 14127 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Dec 19, 2022 |
| Property Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Number | 0114120536 |
| Book / Page | 11412 / 536 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2022236368 |
| Transaction Type | Transfer |
| Record Updated | Feb 1, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $1,020.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Name | Verified Name |
|---|---|
| Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jul 31, 2019 |
| Property Address | 40 SAWMILL CT, ELMA, NY 14059-9421 |
| Document Number | 0113477123 |
| Book / Page | 011347 / 007123 |
| Instrument Date | Jul 30, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $205.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 839 MILL RD EAST AURORA NY 140522837, EAST AURORA, NY 14052-2837 |
The 2026 property tax bill for 40 Sawmill Ct was $5,746 with a veteran's exemption, up 3.2% from the year before.
Source: Erie County and Elma Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Elma Town |
| Unified School District | Iroquois Central School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,746.00 (+3.16%) Veteran's exemption | ||
| 2025 | $5,570.00 (+60.1%) | $8,900 (-) Land $500 Building $8,400 | $342,300 (+3.84%) Land $19,230 Building $323,070 |
| 2024 | $3,479.00 Veteran's exemption | $8,900 (-) Land $500 Building $8,400 | $329,630 (+3.7%) Land $18,519 Building $311,111 |
| 2023 | Veteran's exemption | $8,900 Land $500 Building $8,400 | $317,857 Land $17,857 Building $300,000 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 40 Sawmill Ct in Zone X, an area of minimal flood risk, though there have been 7 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 | 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 risk around 40 Sawmill Ct 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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