Erie County and Buffalo City property record for 495 Downing St, Buffalo, NY 14220
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,080 sqft · built 2000 |
| Lot Size | 0.292 acres (12,675 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,793 (2026) |
| Deeds & Mortgages | Feb 2026 Line of Credit Feb 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 140200 133.82-2-28.22 |
| Primary APN | 140200 133.82-2-28.22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,080 sqft Living Area |
| 1st Floor Area | 1,685 sqft |
| 2nd Floor Area | 1,395 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,675 sqft (0.292 acres) |
| Lot Dimensions | 169 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 217 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 11488780 |
|---|---|
| Street Address | 495 DOWNING ST |
| City | BUFFALO |
| State | NY |
| Zip | 14220-2831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | N-3R |
| Legal Description | 203.45 E ABBOTT |
| Legal Subdivision | BUFFALO CREEK RESERVATION |
| Legal Block | 2 |
| Legal Lot Number | 28.220 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | BUFFALO |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 700 |
495 Downing St is owned and occupied by two individuals.
Source: Erie County and Buffalo City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 DOWNING ST, BUFFALO, NY 14220-2831 |
| 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.
| Date | Document |
|---|---|
| Feb 4, 2026 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Feb 6, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 495 DOWNING ST, BUFFALO, NY 14220-2831 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 495 DOWNING ST, BUFFALO, NY 14220-2831 |
| Document Number | 0141893833 |
|---|---|
| Date | Feb 4, 2026 |
| Book Page | 14189/3833 |
| Instrument | 2026021616 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 340 Months |
| Due | Jun 25, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 495 DOWNING ST, BUFFALO, NY 14220-2831 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2023 |
| Name | Verified Name |
|---|---|
| Address | 495 DOWNING ST, BUFFALO, NY 14220-2831 |
| Document Number | 0140822214 |
|---|---|
| Date | Feb 6, 2023 |
| Book Page | 14082/2214 |
| Instrument | 2023019962 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
The 2026 property tax bill for 495 Downing St was $1,793 with a homeowner's exemption, down 63.9% from the year before.
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 |
|---|---|---|---|
| 2026 | $1,793.00 (-63.86%) Homeowner's exemption | ||
| 2025 | $4,961.00 (+20.24%) | $543,000 (+113.78%) Land $57,000 Building $486,000 | $543,000 (+31.47%) Land $57,000 Building $486,000 |
| 2024 | $4,126.00 (+212.58%) Homeowner's exemption | $254,000 (-) Land $30,000 Building $224,000 | $413,008 (+13.82%) Land $48,780 Building $364,228 |
| 2023 | $1,320.00 Homeowner's exemption | $254,000 Land $30,000 Building $224,000 | $362,857 Land $42,857 Building $320,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 495 Downing St in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 | 1 (1979) |
| Most Recent Claim | Aug 1979 · rainfall accumulation |
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 risk around 495 Downing 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 746 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 |
May also be available: T-Mobile.
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