48 Garnet Dr, Buffalo, NY 14227 Property Records

Erie County and Cheektowaga Town property record for 48 Garnet Dr, Buffalo, NY 14227

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,842 sqft · built 2003
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$226,000 (Aug 2016)
Tax Bill	$11,869 (2026)
Deeds & Mortgages	Mar 2026 Second Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`143089 114.18-8-8`

Property Details

APN / Parcel Number

Primary APN	`143089 114.18-8-8`
Alternative APNs	`30891141800008008000` `003 0058010`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,842 sqft Living Area
1st Floor Area	1,286 sqft
2nd Floor Area	556 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	148 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Patio Area	150 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	003 0058010
Street Address	48 GARNET DR
City	BUFFALO
State	NY
Zip	14227-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 2750 SL 100
Legal Subdivision	EMERALD GARDENS PHASE I
Legal Block	8
Legal Lot Number	8.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	1
Census Block	1004
Census Tract	10809

Owner

48 Garnet Dr is owned and occupied by an individual who bought it in August 2016.

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

Owner of Record	Individual Name on File
Mailing Address	48 GARNET DR, BUFFALO, NY 14227-2448
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
Mar 16, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWEST BANK
Oct 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Dec 15, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2016 · Amount on File
Deed Sale	Aug 4, 2016 · Amount on File
Prior Sale	Apr 28, 2005 · Amount on File
Deed Document Number	2016162971
Deed Book / Page	11299 / 8053
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 GARNET DR, CHEEKTOWAGA, NY 14227-2448
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 GARNET DR, CHEEKTOWAGA, NY 14227-2448

Mortgage

Document Number	0141929339
Date	Mar 16, 2026
Book Page	14192/9339
Instrument	2026046936

Lender

Name	NORTHWEST BANK
Type	Bank
Address	WARREN, PA 16365

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	59 Months
Due	Feb 25, 2031

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 GARNET DR, CHEEKTOWAGA, NY 14227-2448
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 GARNET DR, BUFFALO, NY 14227-2448

Mortgage

Document Number	0139601819
Date	Oct 14, 2020
Book Page	13960/1819
Instrument	2020174103

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 GARNET DR, CHEEKTOWAGA, NY 14227-2448
Document Number	0138419102
Book / Page	013841 / 009102
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 GARNET DR BUFFALO NY 142272448, BUFFALO, NY 14227-2448

Mortgage

Document Number	0138419102
Date	Jan 8, 2018
Book Page	013841/009102

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	180 Months
Due	Jan 7, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 48 Garnet Dr was $11,869, up 125.1% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,869.00 (+125.13%)
2025	$5,272.00 (-44.95%)	$324,000 (-) Land $40,100 Building $283,900	$432,000 (+6.67%) Land $53,467 Building $378,533
2024	$9,577.00	$324,000 (-) Land $40,100 Building $283,900	$405,000 (+13.75%) Land $50,125 Building $354,875
2023		$324,000 Land $40,100 Building $283,900	$356,044 Land $44,066 Building $311,978

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

Flood

FEMA maps place 48 Garnet Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1982)
Most Recent Claim	Mar 1982 · tidal / storm surge

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

Wildfire risk around 48 Garnet Dr 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 211 locations within half a mile, as of December 31, 2025

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

May also be available: Greenlight Networks, Verizon.

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