481 Main St, West Seneca (Buffalo), NY 14224 Property Records

Erie County and West Seneca Town property record for 481 Main St, West Seneca, NY 14224

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,517 sqft · built 1959
Lot Size	0.299 acres (13,000 sqft)
Owner	2 Individual Names on File
Last Sale	$255,000 (Jul 2022)
Tax Bill	$5,698 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`21-363-000`

Property Details

APN / Parcel Number

Primary APN	`21-363-000`
Alternative APNs	`68001342000009005000` `146800 134.20-9-5`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,517 sqft Living Area
1st Floor Area	1,517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	13,000 sqft (0.299 acres)
Lot Dimensions	200 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	21-363-000
Street Address	481 MAIN ST
City	WEST SENECA
State	NY
Zip	14224-2928
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	06 - INDUS
Legal Description	PART OF VL-17 EBENEZER LAND'S 65 X 200.00
Legal Subdivision	VILLAGE OF LOWER EBENEZER
Legal Block	9
Legal Lot Number	5.000
Jurisdiction	ERIE NY
Township / Civil Division	WEST SENECA
Census Block Group	2
Census Block	2005
Census Tract	11700

Owner

481 Main St is owned by two individuals who bought it in July 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	232 FENTON ST, BUFFALO, NY 14206-3217
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2022 · Amount on File
Deed Sale	Jul 20, 2022 · Amount on File
Prior Sale	Aug 10, 2012 · Amount on File
Deed Document Number	2022137827
Deed Book / Page	11405 / 601
Prior Transfer Date	Nov 18, 2008
Prior Transfer Doc	0111541728
Record Updated	Oct 29, 2026

July 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ERIE NY
Recording Date	Jul 20, 2022
Property Address	481 MAIN ST, WEST SENECA, NY 14224-2928
Document Number	0114050601
Book / Page	11405 / 601
Instrument Date	Jul 13, 2022
Instrument	2022137827
Transaction Type	Transfer
Record Updated	Sep 21, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,020.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	481 MAIN ST, 481, WEST SENECA, NY 14224-2928

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	232 FENTON ST, BUFFALO, NY 14206-3217

Mortgage

Document Number	0140606469
Date	Jul 20, 2022
Instrument	14060/6469

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Aug 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	Other
Margin	3
Max Rate	9.62%

Tax Assessment & Valuation

The 2026 property tax bill for 481 Main St was $5,698, up 91.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,698.00 (+91.92%)
2025	$2,969.00 (-46.89%)	$57,200 (-) Land $6,300 Building $50,900	$238,300 (+4.15%) Land $26,246 Building $212,054
2024	$5,590.00	$57,200 (-) Land $6,300 Building $50,900	$228,800 (+4%) Land $25,200 Building $203,600
2023		$57,200 Land $6,300 Building $50,900	$220,000 Land $24,231 Building $195,769
2019	$4,770.00

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.

Flood

FEMA maps place 481 Main St in Zone X, an area of minimal flood risk.

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	3 in force

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 481 Main 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 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 448 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