477 78th St, Niagara Falls, NY 14304 Property Records

Niagara County and Niagara Falls City property record for 477 78th St, Niagara Falls, NY 14304

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,600 sqft · built 1949
Lot Size	0.184 acres (8,040 sqft)
Owner	Company Name on Record
Last Sale	$950,000 (Jul 2024)
Tax Bill	$1,927 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`291100 160.60-2-43`

Property Details

APN / Parcel Number

Primary APN	`291100 160.60-2-43`
Alternative APNs	`11001600600002043000` `14/7904`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,600 sqft Total Area
1st Floor Area	800 sqft
2nd Floor Area	800 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	8,040 sqft (0.184 acres)
Lot Dimensions	134 ft deep x 60 ft wide
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	14/7904.
Street Address	477 78TH ST
City	NIAGARA FALLS
State	NY
Zip	14304-3335
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R1-C
Legal Description	TM 446 BL K LOT N PT 7
Legal Block	2
Legal Lot Number	43.000
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 May 26, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3842 HARLEM RD, 154, BUFFALO, NY 14215-1935
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2026	Deed, Transfer THE UPSTATE NATIONAL BANK
Jul 11, 2024	Warranty Deed, Transfer · Commercial Mortgage ANCHOR LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2024 · Amount on Record
Deed Sale	Jul 11, 2024 · Amount on Record
Prior Sale	Feb 23, 2007 · Amount on Record
Deed Document Number	20249934
Record Updated	Sep 20, 2026

March 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	NIAGARA NY
Recording Date	Mar 25, 2026
Property Address	477 78TH ST, NIAGARA FALLS, NY 14304-3335
Document Number	0000004258
Map Reference	MB 2 PG 2
Instrument Date	Mar 25, 2026
Instrument	2026-04258
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3842 HARLEM RD # 154, 154, BUFFALO, NY 14215-1935

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3842 HARLEM RD # 154, 154, BUFFALO, NY 14215-1935

Mortgage

Document Number	0000004259
Date	Mar 25, 2026
Instrument	2026-04259

Lender

Name	THE UPSTATE NATIONAL BANK
Type	Bank
Address	ROCHESTER, NY 14614

Agreement

Amount	Amount Recorded

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Jul 11, 2024
Property Address	477 78TH ST, NIAGARA FALLS, NY 14304-3335
Document Number	0000009934
Map Reference	MB 2 PG 41
Instrument Date	Jul 3, 2024
Instrument	2024-09934
Transaction Type	Transfer
Record Updated	Apr 17, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2692 YOUNGSTOWN LOCKPORT RD, RANSOMVILLE, NY 14131-9510

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3842 HARLEM RD # 154, 154, BUFFALO, NY 14215-1935
Investor	Possibly a Property Investor

Mortgage

Document Number	0000009935
Date	Jul 11, 2024
Instrument	2024-09935

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	24 Months
Due	Jun 30, 2026

Mortgage

Document Number	0000009937
Date	Jul 11, 2024
Instrument	2024-09937

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

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	$1,927.00	$30,000 (-) Land $4,100 Building $25,900	$66,700 (+19.96%) Land $9,116 Building $57,584
2023		$30,000 Land $4,100 Building $25,900	$55,600 Land $7,599 Building $48,001

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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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