Erie County and West Seneca Town property record for 45 Brook Ln, West Seneca, NY 14224
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,726 sqft · built 2003 |
| Lot Size | 0.237 acres (10,285 sqft) |
| Owner | Individual Name on File |
| Last Sale | $297,900 (Jan 2023) |
| Tax Bill | $7,837 (2026) |
| Deeds & Mortgages | Apr 2021 Line of Credit Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-039-030 |
| Primary APN | 32-039-030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,726 sqft Living Area |
| 1st Floor Area | 1,338 sqft |
| Upper Floors Area | 388 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,285 sqft (0.237 acres) |
| Lot Dimensions | 121 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 37 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 32-039-030 |
|---|---|
| Street Address | 45 BROOK LN |
| City | WEST SENECA |
| State | NY |
| Zip | 14224-3865 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 05 - COMME |
| Legal Description | MC-3047 SL-30 (FL-368) SUNSET CREEK S/D 85 X 121.00 |
| Legal Subdivision | SUNSET CREEK COURT SUBDIVISION |
| Legal Block | 1 |
| Legal Lot Number | 8.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | WEST SENECA |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 12002 |
45 Brook Ln is owned and occupied by an individual who bought it in January 2023.
Source: Erie County and West Seneca Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| 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 |
|---|---|
| Apr 28, 2021 | Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO |
| Jan 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage NAVY FCU |
| Feb 7, 2020 | Deed of Trust, Mortgage · Line of Credit BANK/BUFFALO |
| Feb 21, 2018 | Deed of Trust, Mortgage · Conventional Mortgage BANK ON BUFFALO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 3, 2023 · Amount on File |
| Deed Sale | Jan 3, 2023 · Amount on File |
| Prior Sale | Jun 12, 2003 · Amount on File |
| Deed Document Number | 2023229 |
| Deed Book / Page | 11412 / 4257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Document Number | 0139924315 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 13992/4315 |
| Instrument | 2021080620 |
| Name | MANUFACTURERS & TRADERS TRUST CO |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14224 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 12, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Jan 3, 2023 |
| Property Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Document Number | 0114124257 |
| Book / Page | 11412 / 4257 |
| Instrument Date | Dec 8, 2022 |
| Instrument | 2023000229 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,192.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 34 CHAUNCEY LN, ORCHARD PARK, NY 14127-2749 |
| Name | Verified Name |
|---|---|
| Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Document Number | 0014079494 |
|---|---|
| Date | Jan 3, 2023 |
| Instrument | 14079/494 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Jan 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 10.6% |
| Index | 5-Year TN |
| Margin | 2 |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Document Number | 0139316803 |
| Instrument Date | Feb 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 45 BROOK LN WEST SENECA NY 142243865, WEST SENECA, NY 14224-3865 |
| Document Number | 0139316803 |
|---|---|
| Date | Feb 28, 2020 |
| Book Page | 013931/006803 |
| Name | BANK/BUFFALO |
|---|---|
| Type | Bank |
| Address | ORCHARD PARK, NY 14127 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Feb 27, 2035 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 BROOK LN, WEST SENECA, NY 14224-3865 |
| Document Number | 0138511512 |
| Instrument Date | Feb 21, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 23, 2018 |
| Name | Verified Name |
|---|---|
| Address | 45 BROOK LN WEST SENECA NY 142243865, WEST SENECA, NY 14224-3865 |
| Document Number | 0138511512 |
|---|---|
| Date | Apr 6, 2018 |
| Book Page | 013851/001512 |
| Name | BANK ON BUFFALO |
|---|---|
| Address | 3049 ORCHARD PARK RD, ORCHARD PARK, NY 14127-1224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 5, 2028 |
The 2026 property tax bill for 45 Brook Ln was $7,837 with a veteran's exemption, up 3.4% from the year before.
Source: Erie County and West Seneca Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | West Seneca Town |
| Unified School District | West Seneca Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,837.00 (+3.38%) Veteran's exemption | ||
| 2025 | $7,581.00 (+2.03%) | $85,000 (-) Land $17,000 Building $68,000 | $354,200 (+4.18%) Land $70,840 Building $283,360 |
| 2024 | $7,430.00 Veteran's exemption | $85,000 (-) Land $17,000 Building $68,000 | $340,000 (+4%) Land $68,000 Building $272,000 |
| 2023 | $85,000 Land $17,000 Building $68,000 | $326,923 Land $65,385 Building $261,538 | |
| 2019 | $6,818.00 |
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 45 Brook Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (1980–1996) |
| Most Recent Claim | May 1996 · 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 45 Brook Ln 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 98% of the US · lower than 97.9% 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 | ECWA WEST SENECA serves 23,557 people · EPA ID NY1404543 |
|---|---|
| Water Source | Purchased surface water from ECWA DIRECT |
| Last State Inspection | Nov 2025 |
| Lead | 10 ppb (2020–2022) 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 285 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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