451 78th St, Niagara Falls, NY 14304 Property Records

Niagara County and Niagara Falls City property record for 451 78th St, Niagara Falls, NY 14304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 976 sqft · built 1953
Lot Size	0.184 acres (8,040 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (May 2016)
Tax Bill	$3,796 (2025)
Deeds & Mortgages	Oct 2024 Mortgage Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`291100 160.60-2-39`

Property Details

APN / Parcel Number

Primary APN	`291100 160.60-2-39`
Alternative APNs	`11001600600002039000` `14/7900.B`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Game Room	Game Room

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,040 sqft (0.184 acres)
Lot Dimensions	134 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14/7900.B
Street Address	451 78TH ST
City	NIAGARA FALLS
State	NY
Zip	14304-3335
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1-C
Legal Description	TM 446 BL K LT N PT 5 R 1
Legal Block	2
Legal Lot Number	39.000
Jurisdiction	NIAGARA NY
Township / Civil Division	NIAGARA FALLS
Census Block Group	3
Census Block	3009
Census Tract	22100

Owner

Source: Niagara County and Niagara Falls City records, as of April 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	451 78TH ST, NIAGARA FALLS, NY 14304-3335
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 26, 2020	Deed of Trust, Mortgage · Line of Credit NIAGARA'S CHOICE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2016 · Amount on Record
Deed Sale	May 16, 2016 · Amount on Record
Deed Document Number	20168288
Last Transfer Date	Sep 24, 2024
Transfer Doc	0000005326
Record Updated	Jun 8, 2026

October 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NIAGARA NY
Recording Date	Oct 8, 2024
Property Address	451 78TH ST, NIAGARA FALLS, NY 14304-3335
Document Number	0000005325
Map Reference	MB 7 PG 672&673
Instrument Date	Sep 24, 2024
Instrument	2024-15325
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	451 78TH ST, NIAGARA FALLS, NY 14304-3335

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 78TH ST, NIAGARA FALLS, NY 14304-3335

Mortgage

Document Number	0000005326
Date	Oct 8, 2024
Instrument	2024-15326

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NIAGARA NY
Property Address	451 78TH ST, NIAGARA FALLS, NY 14304-3335
Document Number	0000010496
Instrument Date	Jun 26, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 78TH ST NIAGARA FALLS NY 143043335, NIAGARA FALLS, NY 14304-3335

Mortgage

Document Number	0000010496
Date	Jul 10, 2020
Instrument	10496

Lender

Name	NIAGARA'S CHOICE FCU
Type	Credit Union
Address	NIAGARA FALLS, NY 14303-2224

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Niagara County and Niagara Falls City assessment roll, as of April 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,796.00	$65,200 (-) Land $4,100 Building $61,100	$144,900 (+20.05%) Land $9,112 Building $135,788
2023		$65,200 Land $4,100 Building $61,100	$120,700 Land $7,590 Building $113,110

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2025

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.

Wildfire

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	NIAGARA FALLS WATER BOARD serves 50,193 people · EPA ID NY3100568
Water Source	Surface water
Last State Inspection	May 2024
Lead	6 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 874 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Greenlight Networks Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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