Erie County and Elma Town property record for 421 Main St, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,691 sqft · built 1850 |
| Lot Size | 0.83 acres (36,155 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,094 (2025) |
| Deeds & Mortgages | Jan 2019 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 144200 126.03-4-3 |
| Primary APN | 144200 126.03-4-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,691 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Upper Floors Area | 416 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 36,155 sqft (0.83 acres) |
| Lot Dimensions | 415 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 1,000 sqft |
| Porch | Slab |
| Porch Area | 156 sqft |
| Shed | 1 Shed |
| Shed Area | 385 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 421 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 | UPPER EBENEZER |
| Legal Block | 4 |
| Legal Lot Number | 3.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 14102 |
Source: Erie County and Elma Town records, as of May 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 421 MAIN ST, ELMA, NY 14059-9675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 27, 1999 |
| Deed Sale | Jan 27, 1999 |
| Prior Sale | Oct 2, 1995 · Amount on Record |
| Deed Document Number | 1999502 |
| Deed Book / Page | 10946 / 843 |
| Last Transfer Date | Jan 25, 2011 |
| Transfer Doc | 0111974051 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 421 MAIN ST, ELMA, NY 14059-9675 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138832484 |
|---|---|
| Date | Jan 2, 2019 |
| Book Page | 13883/2484 |
| Instrument | 2019001004 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 |
|---|---|---|---|
| 2025 | $3,094.00 (+2.76%) | $5,425 (-) Land $2,000 Building $3,425 | $208,650 (+3.84%) Land $76,922 Building $131,728 |
| 2024 | $3,011.00 Homeowner's exemption | $5,425 (-) Land $2,000 Building $3,425 | $200,926 (+3.7%) Land $74,074 Building $126,852 |
| 2023 | Homeowner's exemption | $5,425 Land $2,000 Building $3,425 | $193,750 Land $71,429 Building $122,321 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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