Erie County and Clarence Town property record for 4320 Circle Ct, Buffalo, NY 14221
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,279 sqft · built 1954 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,541 (2026) |
| Deeds & Mortgages | Oct 2018 Reverse Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 022-0384000 |
| Primary APN | 022-0384000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,279 sqft Living Area |
| 1st Floor Area | 1,279 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 150 ft deep x 53.7 ft wide |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Porch Area | 364 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 022-0384000 |
|---|---|
| Street Address | 4320 CIRCLE CT |
| City | BUFFALO |
| State | NY |
| Zip | 14221-7539 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MC 1642 SL94 & W 36' THEREOF SEC 13 |
| Legal Subdivision | THE HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 1 |
| Legal Lot Number | 26.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | CLARENCE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 14601 |
4320 Circle Ct is owned and occupied by two individuals who acquired it in October 2018.
Source: Erie County and Clarence Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4320 CIRCLE CT, BUFFALO, NY 14221-7539 |
| 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 |
|---|---|
| Oct 11, 2018 | Deed of Trust, Mortgage · Reverse Mortgage M & T BANK |
| Oct 11, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 3, 2018 |
| Transfer Doc | 0113356895 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4320 CIRCLE CT, BUFFALO, NY 14221-7539 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0138737843 |
|---|---|
| Date | Oct 11, 2018 |
| Book Page | 13873/7843 |
| Instrument | 2018204333 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | GETZVILLE, NY 14068 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 942 Months |
| Due | Apr 3, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.41% |
| Type Change Date | Nov 1, 2019 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Index | 1-Year LIBOR |
| Max Rate | 5% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4320 CIRCLE CT, BUFFALO, NY 14221-7539 |
| Document Number | 0138737857 |
| Instrument Date | Oct 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4320 CIRCLE CT WILLIAMSVILLE NY 142217539, WILLIAMSVILLE, NY 14221-7539 |
| Document Number | 0138737857 |
|---|---|
| Date | Oct 11, 2018 |
| Book Page | 013873/007857 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 948 Months |
| Due | Oct 10, 2097 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.41% |
The 2026 property tax bill for 4320 Circle Ct was $3,541 with exemptions applied, up 295.6% from the year before.
Source: Erie County and Clarence Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Clarence Town |
| Unified School District | Clarence Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,541.00 (+295.64%) Homeowner's exemption Senior Citizen's exemption Veteran's exemption | ||
| 2025 | $895.00 (-69.15%) | $256,000 (-) Land $65,000 Building $191,000 | $256,000 (-) Land $65,000 Building $191,000 |
| 2024 | $2,901.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $256,000 (+36.9%) Land $65,000 Building $191,000 | $256,000 (+9.52%) Land $65,000 Building $191,000 |
| 2023 | Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $187,000 Land $60,000 Building $127,000 | $233,750 Land $75,000 Building $158,750 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4320 Circle Ct in Zone X, an area of minimal flood risk, though there have been 4 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 | 1 in force |
| Nearby Flood Claims | 4 (1979–1980) |
| Most Recent Claim | Apr 1980 · 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 4320 Circle Ct 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 95% of the US · lower than 94% 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 | ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 6 ppb (2025) 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 240 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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