45 Meadowbrook Dr, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 45 Meadowbrook Dr, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,367 sqft · built 2001
Lot Size	5.19 acres (226,076 sqft)
Owner	2 Individual Names on File
Last Sale	$450,000 (May 2013)
Tax Bill	$12,433 (2026)
Deeds & Mortgages	Jul 2020 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`144200 146.00-5-44`

Property Details

APN / Parcel Number

Primary APN	`144200 146.00-5-44`
Alternative APN	`42001460000005044000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,367 sqft Living Area
1st Floor Area	1,714 sqft
2nd Floor Area	1,653 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Brick
Lot Area	226,076 sqft (5.19 acres)
Lot Width	541 ft Width
Garage Type	Attached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	1,080 sqft
Porch	Slab
Porch Area	45 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	45 MEADOWBROOK DR
City	ELMA
State	NY
Zip	14059-9523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	THREE MEADOWS SUBDIVISION
Legal Block	5
Legal Lot Number	44.000
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2027
Census Tract	14102

Owner

45 Meadowbrook Dr is owned and occupied by two individuals who bought it in May 2013.

Source: Erie County and Elma Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 MEADOWBROOK DR, ELMA, NY 14059-9523
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2020	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Jun 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Sep 18, 2019	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2013 · Amount on File
Deed Sale	May 30, 2013 · Amount on File
Prior Sale	Feb 10, 2006 · Amount on File
Deed Document Number	2013127019
Deed Book / Page	11246 / 8759
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	45 MEADOWBROOK DR, ELMA, NY 14059-9523
Document Number	0139478167
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MEADOWBROOK DR ELMA NY 140599523, ELMA, NY 14059-9523

Mortgage

Document Number	0139478167
Date	Jul 21, 2020
Book Page	013947/008167

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	45 MEADOWBROOK DR, ELMA, NY 14059-9523
Document Number	0139448271
Instrument Date	Jun 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 MEADOWBROOK DR ELMA NY 140599523, ELMA, NY 14059-9523

Mortgage

Document Number	0139448271
Date	Jun 26, 2020
Book Page	013944/008271

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 25, 2035

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	45 MEADOWBROOK DR, ELMA, NY 14059-9523
Document Number	0139156118
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 MEADOWBROOK DR ELMA NY 140599523, ELMA, NY 14059-9523

Mortgage

Document Number	0139156118
Date	Oct 22, 2019
Book Page	013915/006118

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 21, 2034

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ERIE NY
Property Address	45 MEADOWBROOK DR, ELMA, NY 14059-9523
Document Number	0113515096
Instrument Date	Sep 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 MEADOWBROOK DR ELMA NY 140599523, ELMA, NY 14059-9523

Mortgage

Document Number	0113515096
Date	Oct 22, 2019
Book Page	011351/005096

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 21, 2034

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2026 property tax bill for 45 Meadowbrook Dr was $12,433, up 246.4% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Elma Town
Unified School District	Iroquois Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,433.00 (+246.42%)
2025	$3,589.00 (-70.3%)	$21,325 (-) Land $4,500 Building $16,825	$820,200 (+3.85%) Land $173,079 Building $647,121
2024	$12,085.00	$21,325 (-) Land $4,500 Building $16,825	$789,815 (+3.7%) Land $166,667 Building $623,148
2023		$21,325 Land $4,500 Building $16,825	$761,607 Land $160,714 Building $600,893

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.

Flood

FEMA maps place 45 Meadowbrook Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1985.

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	2 (1985–1996)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1996 · river or lake 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.

Wildfire

Wildfire risk around 45 Meadowbrook Dr is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

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