Erie County and West Seneca Town property record for 45 Stephenson Ave, Buffalo, NY 14224
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 4 bd · 2 ba · 1,932 sqft · built 1905 |
| Lot Size | 0.086 acres (3,720 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $89,000 (Oct 1999) |
| Tax Bill | $4,437 (2026) |
| Deeds & Mortgages | Mar 2024 Transfer Oct 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-813-000 |
| Primary APN | 10-813-000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 13 Rooms |
| Units | 3 Units |
| Stories | 2 Stories |
| Building Area | 1,932 sqft Total Area |
| 1st Floor Area | 966 sqft |
| 2nd Floor Area | 966 sqft |
| Year Built | Built 1905 |
|---|---|
| Effective Year Built | Effective 1910 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 3,720 sqft (0.086 acres) |
| Lot Dimensions | 123 ft deep x 30 ft wide |
| Porch | Slab |
| Porch Area | 456 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 10-813-000 |
|---|---|
| Street Address | 45 STEPHENSON AVE |
| City | BUFFALO |
| State | NY |
| Zip | 14224-1896 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | 9 |
| Legal Description | MC-572 BLK-B SL-12 WENDLING S/D 30 X 123.50 |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 3 |
| Legal Lot Number | 55.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | WEST SENECA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 11400 |
45 Stephenson Ave, a residential property, is owned by a company that acquired it in March 2024.
Source: Erie County and West Seneca Town records, as of October 20, 2026
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 45 STEPHENSON AVE, BUFFALO, NY 14224-1896 |
| Owner Type | Company |
| Vesting | Life Estate |
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 |
|---|---|
| Mar 8, 2024 | Intrafamily Transfer, Transfer |
| Oct 25, 2023 | Intrafamily Transfer, Transfer |
| Dec 21, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage M & T BANK |
| Dec 15, 2017 | Deed of Trust, Mortgage · FHA Mortgage 1ST PRIORITY MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 1999 · Amount on File |
| Deed Sale | Oct 29, 1999 · Amount on File |
| Prior Sale | Mar 29, 1999 · Amount on File |
| Deed Document Number | 1999199910291310 |
| Deed Book / Page | 10959 / 1726 |
| Last Transfer Date | Mar 7, 2024 |
| Transfer Doc | 0114287759 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Mar 8, 2024 |
| Property Address | 45 STEPHENSON AVE, BUFFALO, NY 14224-1896 |
| Document Number | 0114287759 |
| Book / Page | 11428 / 7759 |
| Instrument Date | Mar 7, 2024 |
| Instrument | 2024038066 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 STEPHENSON AVE, WEST SENECA, NY 14224-1896 |
| Name | Verified Name |
|---|---|
| Address | 45 STEPHENSON AVE, WEST SENECA, NY 14224-1896 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Oct 25, 2023 |
| Property Address | 45 STEPHENSON AVE, BUFFALO, NY 14224-1896 |
| Document Number | 0114235858 |
| Book / Page | 11423 / 5858 |
| Instrument Date | Oct 17, 2023 |
| Instrument | 2023185322 |
| Transaction Type | Transfer |
| Record Updated | Dec 14, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 STEPHENSON AVE, WEST SENECA, NY 14224-1896 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 45 STEPHENSON AVE, WEST SENECA, NY 14224-1896 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 STEPHENSON AVE, BUFFALO, NY 14224-1896 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2022 |
| Name | Verified Name |
|---|---|
| Address | 45 STEPHENSON AVE, WEST SENECA, NY 14224-1896 |
| Document Number | 0140319779 |
|---|---|
| Date | Dec 21, 2021 |
| Book Page | 14031/9779 |
| Instrument | 2021255074 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 45 STEPHENSON AVE, BUFFALO, NY 14224-1896 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0138393933 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 13839/3933 |
| Instrument | 2017253779 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | BUFFALO, NY 14221 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2033 |
The 2026 property tax bill for 45 Stephenson Ave was $4,437, up 99.1% 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 | $4,437.00 (+99.15%) | ||
| 2025 | $2,228.00 (-48.64%) | $44,500 (-) Land $6,000 Building $38,500 | $185,400 (+4.16%) Land $24,998 Building $160,402 |
| 2024 | $4,338.00 | $44,500 (-) Land $6,000 Building $38,500 | $178,000 (+4%) Land $24,000 Building $154,000 |
| 2023 | $44,500 (-) Land $6,000 Building $38,500 | $171,154 (+15.41%) Land $23,077 Building $148,077 | |
| 2022 | $44,500 Land $6,000 Building $38,500 | $148,300 Land $19,996 Building $128,304 | |
| 2019 | $3,133.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 45 Stephenson Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 20, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
The area around 45 Stephenson Ave 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 697 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 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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