48 Thomas St, Buffalo, NY 14206 Property Records

Erie County and Buffalo City property record for 48 Thomas St, Buffalo, NY 14206

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 1,270 sqft · built 1910
Lot Size	0.066 acres (2,875 sqft)
Owner	Individual Name on File
Tax Bill	$360 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2019 Transfer
Flood Zone	Zone X (minimal risk)
APN	`140200 112.61-6-18`

Property Details

APN / Parcel Number

Primary APN	`140200 112.61-6-18`
Alternative APNs	`02001126100006018000` `09671000`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,270 sqft Total Area
1st Floor Area	1,270 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	2,875 sqft (0.066 acres)
Lot Dimensions	115 ft deep x 25 ft wide
Porch	Slab
Porch Area	133 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	09671000
Street Address	48 THOMAS ST
City	BUFFALO
State	NY
Zip	14206-2117
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	N-3R
Legal Description	275. S HOWARD
Legal Subdivision	HOLLAND LAND COMPANY S SURVEY
Legal Block	6
Legal Lot Number	18.000
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	1
Census Block	1011
Census Tract	1700

Owner

48 Thomas St, a duplex, is owned and occupied by an individual who acquired it in June 2019.

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	48 THOMAS ST, BUFFALO, NY 14206-2117
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
Jan 5, 2026	Deed of Trust, Mortgage · Commercial Mortgage LOAN FUNDER LLC SERIES 113806
Jul 1, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 28, 2019
Transfer Doc	0113463746
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	48 THOMAS ST, BUFFALO, NY 14206-2117
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	SECURITY TITLE GUARANTEE CORPORATION, SECURITY TTL GUARANTEE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SPINDLE CT, DEER PARK, NY 11729-6220

Mortgage

Document Number	0141862187
Date	Jan 5, 2026
Book Page	14186/2187
Instrument	2026001565

Lender

Name	LOAN FUNDER LLC SERIES 113806
Type	Non-Lending Institution
Address	NEW YORK, NY 10022

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2055

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ERIE NY
Recording Date	Jul 1, 2019
Property Address	48 THOMAS ST, BUFFALO, NY 14206-2117
Document Number	0113463746
Book / Page	011346 / 003746
Instrument Date	Jun 28, 2019
Transaction Type	Transfer
Record Updated	Jul 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48 THOMAS ST BUFFALO NY 142062117, BUFFALO, NY 14206-2117

Tax Assessment & Valuation

The 2026 property tax bill for 48 Thomas St was $360, down 59.2% from the year before.

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$360.00 (-59.23%)
2025	$883.00 (+75.55%)	$109,000 (+251.61%) Land $7,000 Building $102,000	$109,000 (+116.24%) Land $7,000 Building $102,000
2024	$503.00 (+212.42%)	$31,000 (-) Land $4,200 Building $26,800	$50,407 (+13.82%) Land $6,829 Building $43,578
2023	$161.00	$31,000 Land $4,200 Building $26,800	$44,286 Land $6,000 Building $38,286

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

Flood

FEMA maps place 48 Thomas St in Zone X, an area of minimal flood risk, though there have been 2 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 Claims	2 (1979–2006)
Most Recent Claim	Oct 2006 · Severe Storms And 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.

Wildfire

The area around 48 Thomas St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 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

May also be available: Verizon.

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