Erie County and Elma Town property record for 415 Main St, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,888 sqft · built 1873 |
| Lot Size | 0.43 acres (18,675 sqft) |
| Owner | Individual Name on File |
| Last Sale | $85,000 (Apr 2015) |
| Tax Bill | $2,643 (2026) |
| Deeds & Mortgages | Aug 2023 Line of Credit Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 144200 126.03-4-4 |
| Primary APN | 144200 126.03-4-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,888 sqft Living Area |
| 1st Floor Area | 1,217 sqft |
| Upper Floors Area | 671 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1873 |
|---|---|
| Effective Year Built | Effective 1873 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 18,675 sqft (0.43 acres) |
| Lot Dimensions | 415 ft deep x 45 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 393 sqft |
| Shed | 1 Shed |
| Shed Area | 290 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 415 MAIN ST |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | C/AG |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 4 |
| Legal Lot Number | 4.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 14102 |
415 Main St is owned and occupied by an individual who acquired it in August 2022.
Source: Erie County and Elma Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| 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 |
|---|---|
| Aug 10, 2023 | Deed of Trust, Mortgage · Line of Credit WESTERN NEW YORK FCU |
| Aug 23, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Aug 23, 2022 | Quit Claim Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2015 · Amount on File |
| Deed Sale | Apr 7, 2015 · Amount on File |
| Prior Sale | Dec 9, 1998 |
| Deed Document Number | 201565652 |
| Deed Book / Page | 11277 / 9087 |
| Last Transfer Date | Aug 11, 2022 |
| Transfer Doc | 0114066988 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| Document Number | 0141000257 |
|---|---|
| Date | Aug 10, 2023 |
| Book Page | 14100/257 |
| Instrument | 2023137186 |
| Name | WESTERN NEW YORK FCU |
|---|---|
| Type | Credit Union |
| Address | BUFFALO, NY 14224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| Transaction Type | Mortgage |
| Record Updated | Nov 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| Document Number | 0140648912 |
|---|---|
| Date | Aug 23, 2022 |
| Book Page | 14064/8912 |
| Instrument | 2022160703 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Aug 23, 2022 |
| Property Address | 415 MAIN ST, ELMA, NY 14059-9675 |
| Document Number | 0114066988 |
| Book / Page | 11406 / 6988 |
| Instrument Date | Aug 11, 2022 |
| Instrument | 2022160702 |
| Transaction Type | Transfer |
| Record Updated | Nov 4, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $14.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 415 MAIN ST, 415, ELMA, NY 14059-9675 |
| Name | Verified Name |
|---|---|
| Address | 415 MAIN ST, ELMA, NY 14059-9675 |
The 2026 property tax bill for 415 Main St was $2,643, up 272.8% 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 | $2,643.00 (+272.78%) | ||
| 2025 | $709.00 (-71.61%) | $4,500 (-) Land $1,000 Building $3,500 | $173,100 (+3.86%) Land $38,467 Building $134,633 |
| 2024 | $2,497.00 | $4,500 (-) Land $1,000 Building $3,500 | $166,667 (+3.7%) Land $37,037 Building $129,630 |
| 2023 | $4,500 Land $1,000 Building $3,500 | $160,714 Land $35,714 Building $125,000 |
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 415 Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2018) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jan 2018 · 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 415 Main St 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 96% of the US · lower than 95% 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.
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 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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