Erie County and Elma Town property record for 431 Main St, Elma, NY 14059
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 3,390 sqft · built 1930 |
| Lot Size | 3.1 acres (135,036 sqft) |
| Owner | Individual Name on File |
| Last Sale | $125,000 (Jul 2003) |
| Tax Bill | $4,257 (2026) |
| Flood Zone | Zone AE (high risk) |
| APN | 144200 126.03-4-1 |
| Primary APN | 144200 126.03-4-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,390 sqft Living Area |
| 1st Floor Area | 2,250 sqft |
| 2nd Floor Area | 1,140 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 135,036 sqft (3.1 acres) |
| Lot Width | 260 ft Width |
| Garage Type | Detached |
| Garage Area | 1,500 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 456 sqft |
| Shed | 1 Shed |
| Shed Area | 600 sqft |
| Pole Barn | 1,120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 431 MAIN ST |
|---|---|
| City | ELMA |
| State | NY |
| Zip | 14059-9675 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 |
| Legal Subdivision | UPPER EBENEZER |
| Legal Block | 4 |
| Legal Lot Number | 1.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | ELMA |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 14102 |
431 Main St is owned and occupied by an individual who acquired it in January 2004.
Source: Erie County and Elma Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2003 · Amount on File |
| Deed Sale | Jul 31, 2003 · Amount on File |
| Deed Book / Page | 11049 / 409 |
| Last Transfer Date | Jan 28, 2004 |
| Transfer Doc | 0000000827 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 431 Main St was $4,257 with a homeowner's exemption, up 1.8% 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 | $4,257.00 (+1.77%) Homeowner's exemption | ||
| 2025 | $4,183.00 (+4.08%) | $7,335 (-) Land $1,500 Building $5,835 | $282,100 (+3.84%) Land $57,689 Building $224,411 |
| 2024 | $4,019.00 Homeowner's exemption | $7,335 (+4.79%) Land $1,500 Building $5,835 | $271,667 (+8.67%) Land $55,556 Building $216,111 |
| 2023 | Homeowner's exemption | $7,000 Land $1,500 Building $5,500 | $250,000 Land $53,571 Building $196,429 |
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 431 Main St in Zone AE, a high-risk flood area within the regulatory floodway; 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 | Yes |
| 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 431 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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