428 Downing St, Buffalo, NY 14220 Property Records

Erie County and Buffalo City property record for 428 Downing St, Buffalo, NY 14220

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,436 sqft · built 1935
Lot Size	0.093 acres (4,025 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Feb 2023)
Tax Bill	$532 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`140200 133.74-5-24`

Property Details

APN / Parcel Number

Primary APN	`140200 133.74-5-24`
Alternative APNs	`02001337400005024000` `11488200`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,436 sqft Living Area
1st Floor Area	1,120 sqft
Attic	Attic
Attic Area	316 sqft

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,025 sqft (0.093 acres)
Lot Dimensions	115 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	11488200
Street Address	428 DOWNING ST
City	BUFFALO
State	NY
Zip	14220-2746
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N-3R
Legal Description	316.59 W ABBOTT RD
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	5
Legal Lot Number	24.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	4
Census Block	4003
Census Tract	700

Owner

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	428 DOWNING ST, BUFFALO, NY 14220-2746
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2023 · Amount on Record
Deed Sale	Feb 1, 2023 · Amount on Record
Deed Document Number	202317822
Deed Book / Page	11413 / 6419
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Feb 1, 2023
Property Address	428 DOWNING ST, BUFFALO, NY 14220-2746
Document Number	0114136419
Book / Page	11413 / 6419
Instrument Date	Jan 18, 2023
Instrument	2023017822
Transaction Type	Transfer
Record Updated	Mar 22, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 DOWNING ST, BUFFALO, NY 14220-2746

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 DOWNING ST, BUFFALO, NY 14220-2746

Mortgage

Document Number	0140818636
Date	Feb 1, 2023
Instrument	14081/8636

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.7%
Index	Other
Margin	3
Max Rate	10.7%

Tax Assessment & Valuation

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$532.00 (-76.38%)
2025	$2,252.00 (+3.68%)	$161,000 (+10.27%) Land $28,000 Building $133,000	$161,000 (-32.18%) Land $28,000 Building $133,000
2024	$2,172.00 (+292.06%)	$146,000 (-) Land $15,800 Building $130,200	$237,398 (+13.82%) Land $25,691 Building $211,707
2023	$554.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption	$146,000 Land $15,800 Building $130,200	$208,571 Land $22,571 Building $186,000

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

Flood

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 Claims	2 (1979)
Most Recent Claim	Aug 1979 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not 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 System	BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 920 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 Fiber · Fixed Wireless in parts of the area	980 / 880
T-Mobile Fixed Wireless	100 / 20