Erie County and West Seneca Town property record for 495 Reserve Rd, Buffalo, NY 14224
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,212 sqft · built 1965 |
| Lot Size | 0.245 acres (10,640 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $220,000 (Dec 2025) |
| Tax Bill | $5,012 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Nov 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-094-365 |
| Primary APN | 34-094-365 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,212 sqft Living Area |
| 1st Floor Area | 1,212 sqft |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Lot Area | 10,640 sqft (0.245 acres) |
| Lot Dimensions | 80.2 ft deep x 133 ft wide |
| Garage Type | Attached |
| Garage Area | 253 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 34-094-365 |
|---|---|
| Street Address | 495 RESERVE RD |
| City | BUFFALO |
| State | NY |
| Zip | 14224-4107 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 06 - INDUS |
| Legal Description | MC-2207 SL-33 (FL-412) HIDDEN VALLEY S/D 133.41 X 80.2(CORNER LOT) |
| Legal Subdivision | HIDDEN VALLEY SUBDIVISION |
| Legal Block | 4 |
| Legal Lot Number | 1.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | WEST SENECA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 12003 |
Source: Erie County and West Seneca Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 495 RESERVE RD, BUFFALO, NY 14224-4107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Dec 22, 2025 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK NA |
| Nov 22, 2022 | Warranty Deed, Transfer · Conventional Mortgage 1ST PRIORITY MORTGAGE INC |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage M&T BK |
| Aug 24, 2020 | Loan Modification, Mortgage · Conventional Mortgage M&T BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 22, 2025 · Amount on Record |
| Deed Sale | Dec 22, 2025 · Amount on Record |
| Prior Sale | Nov 22, 2022 · Amount on Record |
| Deed Document Number | 2025232649 |
| Deed Book / Page | 11455 / 697 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Dec 22, 2025 |
| Property Address | 495 RESERVE RD, BUFFALO, NY 14224-4107 |
| Document Number | 0114550697 |
| Book / Page | 11455 / 697 |
| Map Reference | DOC 2207 |
| Instrument Date | Dec 14, 2025 |
| Instrument | 2025232649 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $880.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD, WEST SENECA, NY 14224-4107 |
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD, WEST SENECA, NY 14224-4107 |
| Document Number | 0014185187 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 14185/187 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Nov 22, 2022 |
| Property Address | 495 RESERVE RD, BUFFALO, NY 14224-4107 |
| Document Number | 0114108276 |
| Book / Page | 11410 / 8276 |
| Instrument Date | Nov 10, 2022 |
| Instrument | 2022219066 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD, WEST SENECA, NY 14224-4107 |
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD, WEST SENECA, NY 14224-4107 |
| Document Number | 0140751525 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 14075/1525 |
| Name | 1ST PRIORITY MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 495 RESERVE RD, BUFFALO, NY 14224-4107 |
| Document Number | 0139672471 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD BUFFALO NY 142244107, BUFFALO, NY 14224-4107 |
| Document Number | 0139672471 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 013967/002471 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 495 RESERVE RD, BUFFALO, NY 14224-4107 |
| Document Number | 0113700906 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 495 RESERVE RD BUFFALO NY 142244107, BUFFALO, NY 14224-4107 |
| Document Number | 0113700906 |
|---|---|
| Date | Nov 25, 2020 |
| Book Page | 011370/000906 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 24, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
Source: Erie County and West Seneca Town assessment roll, as of May 19, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | West Seneca Town |
| Unified School District | West Seneca Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,012.00 (+94.64%) | ||
| 2025 | $2,575.00 (-47.65%) | $50,800 (-) Land $10,200 Building $40,600 | $211,700 (+4.18%) Land $42,507 Building $169,193 |
| 2024 | $4,919.00 (+19.57%) | $50,800 (-) Land $10,200 Building $40,600 | $203,200 (+4%) Land $40,800 Building $162,400 |
| 2023 | $50,800 Land $10,200 Building $40,600 | $195,385 Land $39,231 Building $156,154 | |
| 2019 | $4,114.00 |
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.
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 | 3 (1979) |
| Claims Outside the SFHA | 3 of 3 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ECWA WEST SENECA serves 23,557 people · EPA ID NY1404543 |
|---|---|
| Water Source | Purchased surface water from ECWA DIRECT |
| Last State Inspection | Nov 2025 |
| Lead | 10 ppb (2020–2022) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures