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440 E Center Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 440 E Center Rd, Elma, NY 14059

Property Summary

Property TypeSingle Family Home
Details5 bd · 2 ba · 1,880 sqft · built 1955
Lot Size1.2 acres (52,272 sqft)
Owner2 Company Names on Record
Tax Bill$4,522 (2026)
Deeds & MortgagesOct 2021 Transfer
Mar 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN144200 136.03-1-2

Property Details

APN / Parcel Number

Primary APN144200 136.03-1-2
Alternative APN
  • 42001360300001002000

Interior

Bedrooms5 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,880 sqft Living Area
1st Floor Area1,880 sqft

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleRanch
Exterior MaterialBrick
Lot Area52,272 sqft (1.2 acres)
Lot Width100 ft Width
Garage TypeDetached
Garage Area672 sqft
Parking Spaces2 Parking Spaces
Pool TypeAbove-Ground Pool
Pool Area600 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address440 E CENTER RD
CityELMA
StateNY
Zip14059-9643
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code02
Legal SubdivisionEBENEZER LANDS
Legal Block1
Legal Lot Number2.000
JurisdictionERIE NY
Township / Civil DivisionELMA
Census Block Group3
Census Block3018
Census Tract14102

Owner

Source: Erie County and Elma Town 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 Record2 Company Names on Record
Mailing Address440 E CENTER RD, ELMA, NY 14059-9643
OccupancyOwner Occupied
Owner TypeCompany
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2021Intrafamily Transfer, Transfer
Mar 2, 2020Loan Modification, Mortgage · Conventional Mortgage
MR COOPER

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateOct 1, 2021
Transfer Doc0113886131
Record UpdatedOct 29, 2026

October 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionERIE NY
Recording DateOct 5, 2021
Property Address440 E CENTER RD, ELMA, NY 14059-9643
Document Number0113886131
Book / Page11388 / 6131
Instrument DateOct 1, 2021
Instrument2021198507
Transaction TypeTransfer
Record UpdatedDec 7, 2021

Transaction

Tax$0.00
Amount AccuracyTransfer Tax Exempt
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 E CENTER RD, ELMA, NY 14059-9643

March 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionERIE NY
Property Address440 E CENTER RD, ELMA, NY 14059-9643
Document Number0139382858
Instrument DateMar 2, 2020
Transaction TypeMortgage
Record UpdatedJun 8, 2020
Title CompanyCORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipEstate
Address440 E CENTER RD ELMA NY 140599643, ELMA, NY 14059-9643

Mortgage

Document Number0139382858
DateMay 4, 2020
Book Page013938/002858
Lender
NameMR COOPER
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueMay 3, 2035
Interest
Rate TypeFixed Rate
Rate3.62%

Tax Assessment & Valuation

Source: Erie County and Elma Town assessment roll, as of May 19, 2026

Property Jurisdictions

TypeName
StateNew York
CountyErie County
County SubdivisionElma Town
Unified School DistrictIroquois Central School District (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,522.00 (+1.66%) Homeowner's exemption
2025$4,448.00 (+2.75%)$7,800 (-) Land $1,200 Building $6,600$300,000 (+3.85%) Land $46,154 Building $253,846
2024$4,329.00 Homeowner's exemption$7,800 (-) Land $1,200 Building $6,600$288,889 (+3.7%) Land $44,444 Building $244,445
2023Homeowner's exemption$7,800 Land $1,200 Building $6,600$278,571 Land $42,857 Building $235,714

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims1 (2018)
Claims Outside the SFHA1 of 1
Most Recent ClaimJan 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

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

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.9% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond 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 SystemELMA WATER DISTRICT NO. 1
serves 10,287 people · EPA ID NY1420549
Water SourcePurchased surface water from ECWA DIRECT
Lead2 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 161 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fiber · Fixed Wireless in parts of the area		980 / 880
T-Mobile
Fixed Wireless		100 / 20

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