46 Cowing St, Depew, NY 14043 Property Records

Erie County and Lancaster Town property record for 46 Cowing St, Depew, NY 14043

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,970 sqft · built 1890
Lot Size	0.084 acres (3,660 sqft)
Owner	Individual Name on File
Last Sale	$121,900 (Jul 2016)
Tax Bill	$5,870 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`145203 104.15-17-23`

Property Details

APN / Parcel Number

Primary APN	`145203 104.15-17-23`
Alternative APN	`52031041500017023000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,970 sqft Living Area
1st Floor Area	1,210 sqft
2nd Floor Area	760 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,660 sqft (0.084 acres)
Lot Dimensions	122 ft deep x 30 ft wide
Garage Type	Detached
Garage Area	374 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	90 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	46 COWING ST
City	DEPEW
State	NY
Zip	14043-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SC10 490 21 PTS13&14 3O X 122
Legal Subdivision	HOLLAND LAND COMPANYS SURVEY
Legal Block	17
Legal Lot Number	23.000
Jurisdiction	ERIE NY
Township / Civil Division	LANCASTER
Census Block Group	1
Census Block	1016
Census Tract	14400

Owner

46 Cowing St is owned and occupied by an individual who bought it in July 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	46 COWING ST, DEPEW, NY 14043-3522
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Deed of Trust, Mortgage · FHA Mortgage FIFTH THIRD BANK NA
Jun 20, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2016 · Amount on File
Deed Sale	Jul 11, 2016 · Amount on File
Prior Sale	Nov 12, 2013 · Amount on File
Deed Document Number	2016142037
Deed Book / Page	11298 / 6427
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	46 COWING ST, DEPEW, NY 14043-3522
Transaction Type	Mortgage
Record Updated	Aug 29, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 COWING ST, DEPEW, NY 14043-3522

Mortgage

Document Number	0140962359
Date	Jul 7, 2023
Book Page	14096/2359
Instrument	2023115836

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	479 Months
Due	Jun 1, 2063

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	46 COWING ST, DEPEW, NY 14043-3522
Document Number	0139030905
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Feb 17, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 COWING ST DEPEW NY 140433522, DEPEW, NY 14043-3522

Mortgage

Document Number	0139030905
Date	Jul 17, 2019
Book Page	013903/000905

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 16, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 46 Cowing St was $5,870, up 202.6% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Lancaster Town
Municipality	Lancaster Village
Unified School District	Lancaster Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,870.00 (+202.58%)
2025	$1,940.00 (-65.99%)	$172,000 (-) Land $12,600 Building $159,400	$268,750 (+12.49%) Land $19,687 Building $249,063
2024	$5,705.00	$172,000 (-) Land $12,600 Building $159,400	$238,900 (+4.19%) Land $17,501 Building $221,399
2023		$172,000 Land $12,600 Building $159,400	$229,300 Land $16,798 Building $212,502

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

Flood

FEMA maps place 46 Cowing St 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.

Wildfire

Wildfire risk around 46 Cowing St is low, with less than 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 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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	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 349 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Greenlight Networks.

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