Erie County and Buffalo City property record for 48 Harding Rd, Buffalo, NY 14220
| Property Type | Duplex |
|---|---|
| Details | 6 bd · 2 ba · 2,691 sqft · built 1920 |
| Lot Size | 0.104 acres (4,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $257,000 (Aug 2025) |
| Tax Bill | $2,348 (2025) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Oct 2020 Loan Modification + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 140200 133.55-5-32 |
| Primary APN | 140200 133.55-5-32 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,691 sqft Total Area |
| 1st Floor Area | 1,325 sqft |
| 2nd Floor Area | 1,366 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 4,520 sqft (0.104 acres) |
| Lot Dimensions | 113 ft deep x 40 ft wide |
| Garage Type | Detached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11557900 |
|---|---|
| Street Address | 48 HARDING RD |
| City | BUFFALO |
| State | NY |
| Zip | 14220-2210 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | N-3R |
| Legal Description | 443.11 E SOUTH PARK |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 5 |
| Legal Lot Number | 32.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | BUFFALO |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 600 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Listed Area | Within Cazenovia Park-South Park System listed 1982 · 11 contributing resources · NRIS 82005028 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Erie County and Buffalo City assessment roll, as of May 19, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Aug 12, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Oct 7, 2020 | Loan Modification, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Oct 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CITIZENS BK NA |
| Oct 9, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 21, 2018 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on Record |
| Deed Sale | Aug 12, 2025 · Amount on Record |
| Prior Sale | Sep 21, 2018 · Amount on Record |
| Deed Document Number | 2025145221 |
| Deed Book / Page | 11449 / 1442 |
| Prior Transfer Date | Oct 2, 2019 |
| Prior Transfer Doc | 0113509777 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Aug 12, 2025 |
| Property Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0114491442 |
| Book / Page | 11449 / 1442 |
| Instrument Date | Aug 11, 2025 |
| Instrument | 2025145221 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,028.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 41 DOWNING ST, BUFFALO, NY 14220-2616 |
| Name | Verified Name |
|---|---|
| Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0141703766 |
|---|---|
| Date | Aug 12, 2025 |
| Instrument | 14170/3766 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0113688857 |
| Instrument Date | Oct 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41 DOWNING ST BUFFALO NY 142202616, BUFFALO, NY 14220-2616 |
| Document Number | 0113688857 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 011368/008857 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0139635817 |
| Instrument Date | Oct 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 41 DOWNING ST BUFFALO NY 142202616, BUFFALO, NY 14220-2616 |
| Document Number | 0139635817 |
|---|---|
| Date | Nov 4, 2020 |
| Book Page | 013963/005817 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 3, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Oct 9, 2019 |
| Property Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0113509777 |
| Book / Page | 011350 / 009777 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 41 DOWNING ST BUFFALO NY 142202616, BUFFALO, NY 14220-2616 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Sep 21, 2018 |
| Property Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
| Document Number | 0113347717 |
| Book / Page | 11334 / 7717 |
| Map Reference | MAP1112 |
| Instrument Date | Sep 4, 2018 |
| Instrument | 2018189155 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,395.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 HARDING RD, 48, BUFFALO, NY 14220-2210 |
| Name | Verified Name |
|---|---|
| Address | 48 HARDING RD, BUFFALO, NY 14220-2210 |
Source: Erie County and Buffalo City assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| Municipality | Buffalo City |
| Unified School District | Buffalo City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,348.00 (+22.55%) | $259,000 (+119.49%) Land $21,000 Building $238,000 | $259,000 (+34.99%) Land $21,000 Building $238,000 |
| 2024 | $1,916.00 (+212.56%) | $118,000 (-) Land $10,700 Building $107,300 | $191,870 (+13.82%) Land $17,398 Building $174,472 |
| 2023 | $613.00 | $118,000 Land $10,700 Building $107,300 | $168,571 Land $15,286 Building $153,285 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 Claims | 13 (1979–1987) |
| Most Recent Claim | Jun 1987 · river or lake flooding |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2023 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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 626 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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