45 Verel Ave, Buffalo, NY 14218 Property Records

Erie County and Lackawanna City property record for 45 Verel Ave, Buffalo, NY 14218

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 983 sqft · built 1942
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on File
Last Sale	$69,900 (Nov 2012)
Tax Bill	$1,747 (2026)
Deeds & Mortgages	Sep 2025 Second Mortgage Jul 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`140900 142.71-3-12`

Property Details

APN / Parcel Number

Primary APN	`140900 142.71-3-12`
Alternative APNs	`09001427100003012000` `5708`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	983 sqft Living Area
1st Floor Area	590 sqft
Upper Floors Area	393 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1942
Effective Year Built	Effective 1942
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	120 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	75 sqft
Shed	1 Shed
Shed Area	198 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5708
Street Address	45 VEREL AVE
City	BUFFALO
State	NY
Zip	14218-3113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR
Legal Description	L 12 VEREL TRACT BLK B E7 42 Z 4O X 12O
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	3
Legal Lot Number	12.000
Jurisdiction	ERIE NY
Township / Civil Division	LACKAWANNA
Census Block Group	2
Census Block	2000
Census Tract	16200

Owner

45 Verel Ave is owned and occupied by two individuals who bought it in November 2012.

Source: Erie County and Lackawanna City records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	45 VEREL AVE, BUFFALO, NY 14218-3113
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
Sep 2, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC
Jul 16, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage EMPIRE ONE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2012 · Amount on File
Deed Sale	Nov 13, 2012 · Amount on File
Deed Book / Page	11233 / 1543
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	45 VEREL AVE, BUFFALO, NY 14218-3113
Transaction Type	Mortgage
Record Updated	Nov 6, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 VEREL AVE, LACKAWANNA, NY 14218-3113

Mortgage

Document Number	0141726259
Date	Sep 2, 2025
Book Page	14172/6259
Instrument	2025159746

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2045

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	45 VEREL AVE, BUFFALO, NY 14218-3113
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0139029868
Date	Jul 16, 2019
Book Page	13902/9868
Instrument	2019145763

Lender

Name	EMPIRE ONE FCU
Type	Credit Union
Address	BUFFALO, NY 14240

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2029

Tax Assessment & Valuation

The 2026 property tax bill for 45 Verel Ave was $1,747 with a homeowner's exemption.

Source: Erie County and Lackawanna City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Lackawanna City
Unified School District	Lackawanna City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,747.00 Homeowner's exemption
2025		$72,000 (-) Land $7,600 Building $64,400	$112,500 (+18.8%) Land $11,875 Building $100,625
2024	Homeowner's exemption	$72,000 (-) Land $7,600 Building $64,400	$94,700 (+3.95%) Land $9,996 Building $84,704
2023	Homeowner's exemption	$72,000 (-) Land $7,600 Building $64,400	$91,100 (+13.88%) Land $9,616 Building $81,484
2022		$72,000 Land $7,600 Building $64,400	$80,000 Land $8,444 Building $71,556
2021	$672.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 45 Verel Ave 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	3 (1978–1979)
Most Recent Claim	Aug 1979 · 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

The area around 45 Verel 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.

Drinking Water

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

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 759 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
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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