Erie County and Cheektowaga Town property record for 45 Biscayne Dr, Buffalo, NY 14225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,600 sqft · built 1963 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,600 (Aug 2005) |
| Tax Bill | $6,805 (2026) |
| Deeds & Mortgages | May 2026 Second Mortgage Jul 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 143089 92.14-6-21 |
| Primary APN | 143089 92.14-6-21 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,075 sqft |
| 2nd Floor Area | 525 sqft |
| Game Room | Game Room |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Dimensions | 105 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 027 0580000 |
|---|---|
| Street Address | 45 BISCAYNE DR |
| City | BUFFALO |
| State | NY |
| Zip | 14225-3739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02R |
| Legal Description | MC 2169 SL 118 MC 2169 SL 118 |
| Legal Subdivision | THE HOLLAND LAND COS SURVEY |
| Legal Block | 6 |
| Legal Lot Number | 21.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | CHEEKTOWAGA |
| Census Block Group | 1 |
| Census Block | 1021 |
| Census Tract | 10002 |
45 Biscayne Dr is owned and occupied by two individuals who bought it in August 2005.
Source: Erie County and Cheektowaga Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 45 BISCAYNE DR, BUFFALO, NY 14225-3739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jul 5, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2005 · Amount on File |
| Deed Sale | Aug 19, 2005 · Amount on File |
| Deed Document Number | 200511359 |
| Deed Book / Page | 11099 / 9150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | May 7, 2026 |
| Property Address | 45 BISCAYNE DR, BUFFALO, NY 14225-3739 |
| Document Number | 0000085368 |
| Book / Page | 14198 / 102 |
| Instrument Date | Apr 27, 2026 |
| Instrument | 202685368 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Name | Verified Name |
|---|---|
| Address | 45 BISCAYNE DR, BUFFALO, NY 14225-3739 |
| Document Number | 0000085368, |
|---|---|
| Date | May 7, 2026 |
| Book Page | 14198/102 |
| Instrument | 202685368 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 1, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BISCAYNE DR, CHEEKTOWAGA, NY 14225-3739 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2023 |
| Name | Verified Name |
|---|---|
| Address | 45 BISCAYNE DR, CHEEKTOWAGA, NY 14225-3739 |
| Document Number | 0140958802 |
|---|---|
| Date | Jul 5, 2023 |
| Book Page | 14095/8802 |
| Instrument | 2023113940 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jun 28, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BISCAYNE DR, CHEEKTOWAGA, NY 14225-3739 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 45 BISCAYNE DR, BUFFALO, NY 14225-3739 |
| Document Number | 0140020890 |
|---|---|
| Date | Jun 29, 2021 |
| Book Page | 14002/890 |
| Instrument | 2021125152 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2026 property tax bill for 45 Biscayne Dr was $6,805 with a homeowner's exemption, up 1% from the year before.
Source: Erie County and Cheektowaga Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Cheektowaga Town |
| Unified School District | Cheektowaga-Maryvale Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,805.00 (+0.98%) Homeowner's exemption | ||
| 2025 | $6,739.00 (+3.82%) | $213,000 (-) Land $13,000 Building $200,000 | $284,000 (+6.67%) Land $17,333 Building $266,667 |
| 2024 | $6,491.00 Homeowner's exemption | $213,000 (-) Land $13,000 Building $200,000 | $266,250 (+13.75%) Land $16,250 Building $250,000 |
| 2023 | Homeowner's exemption | $213,000 Land $13,000 Building $200,000 | $234,066 Land $14,286 Building $219,780 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Biscayne Dr in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1978.
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 | 7 (1978–2006) |
| Claims Outside the SFHA | 7 of 7 |
| Most Recent Claim | Oct 2006 · Severe Storms And Flooding |
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.
The area around 45 Biscayne Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 217 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless · Fiber in parts of the area | 300 / 20 |
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