Erie County and Cheektowaga Town property record for 4520 Union Rd, Buffalo, NY 14225
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,020 sqft · built 1950 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $93,200 (Apr 2018) |
| Tax Bill | $5,300 (2026) |
| Deeds & Mortgages | Dec 2022 Line of Credit Apr 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 030-0583000 |
| Primary APN | 030-0583000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 300 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 030-0583000 |
|---|---|
| Street Address | 4520 UNION RD |
| City | BUFFALO |
| State | NY |
| Zip | 14225-1802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02R |
| Legal Description | MC 1672 SL 42 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 10 |
| Legal Lot Number | 9.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | CHEEKTOWAGA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10103 |
4520 Union Rd is owned and occupied by an individual who bought it in April 2018.
Source: Erie County and Cheektowaga Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4520 UNION RD, BUFFALO, NY 14225-1802 |
| 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 |
|---|---|
| Dec 6, 2022 | Deed of Trust, Mortgage · Line of Credit CITIZENS BANK NA |
| Apr 23, 2021 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Apr 3, 2018 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MORTGAGE CORP |
| Sep 15, 2017 | Trustee's Deed, Transfer WEB TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2018 · Amount on File |
| Deed Sale | Apr 3, 2018 · Amount on File |
| Prior Sale | Sep 15, 2017 · Amount on File |
| Deed Document Number | 201863563 |
| Deed Book / Page | 11327 / 6255 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Transaction Type | Mortgage |
| Record Updated | Feb 1, 2023 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Document Number | 0140766942 |
|---|---|
| Date | Dec 6, 2022 |
| Book Page | 14076/6942 |
| Instrument | 2022227568 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 299 Months |
| Due | Nov 9, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Transaction Type | Mortgage |
| Record Updated | Aug 19, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Document Number | 0139918595 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 13991/8595 |
| Instrument | 2021077786 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 344 Months |
| Due | Dec 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Apr 3, 2018 |
| Property Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Document Number | 0113276255 |
| Book / Page | 11327 / 6255 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 2018063563 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $841.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1380 ELECTRIC AVE, 1380, BUFFALO, NY 14218-2465 |
| Name | Verified Name |
|---|---|
| Address | 313 LANG AVE, BUFFALO, NY 14215 |
| Document Number | 2018063564 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 2018063564 |
| Name | PREMIUM MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Sep 15, 2017 |
| Property Address | 4520 UNION RD, CHEEKTOWAGA, NY 14225-1802 |
| Document Number | 0113188494 |
| Book / Page | 011318 / 008494 |
| Instrument Date | Sep 15, 2017 |
| Transaction Type | Transfer |
| Record Updated | Nov 20, 2017 |
| Title Company | WEB TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $29.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4520 UNION RD CHEEKTOWAGA NY 142251802, CHEEKTOWAGA, NY 14225-1802 |
The 2026 property tax bill for 4520 Union Rd was $5,300, up 87.5% from the year before.
Source: Erie County and Cheektowaga Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Cheektowaga Town |
| Unified School District | Cheektowaga-Maryvale Union Free School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,300.00 (+87.48%) | ||
| 2025 | $2,827.00 (-44.09%) | $164,000 (-) Land $12,000 Building $152,000 | $218,667 (+6.67%) Land $16,000 Building $202,667 |
| 2024 | $5,056.00 | $164,000 (-) Land $12,000 Building $152,000 | $205,000 (+13.75%) Land $15,000 Building $190,000 |
| 2023 | $164,000 Land $12,000 Building $152,000 | $180,220 Land $13,187 Building $167,033 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4520 Union Rd 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 4520 Union Rd 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 708 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fiber · Fixed Wireless in parts of the area | 2,300 / 2,300 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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