Niagara County and Niagara Falls City property record for 496 77th St, Niagara Falls, NY 14304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 2,025 sqft · built 1950 |
| Lot Size | 0.078 acres (3,398 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Oct 2018) |
| Tax Bill | $4,134 (2025) |
| Deeds & Mortgages | Dec 2022 Mortgage Dec 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 291100 160.60-1-2 |
| Primary APN | 291100 160.60-1-2 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,025 sqft Living Area |
| 1st Floor Area | 1,300 sqft |
| 2nd Floor Area | 725 sqft |
| Game Room | Game Room |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Other |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 3,398 sqft (0.078 acres) |
| Lot Dimensions | 113 ft deep x 30 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 14/7389. |
|---|---|
| Street Address | 496 77TH ST |
| City | NIAGARA FALLS |
| State | NY |
| Zip | 14304-3334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1-C |
| Legal Description | TM 439 BL J LT N PT 132 210 |
| Legal Subdivision | MILE RESERVE |
| Legal Block | 1 |
| Legal Lot Number | 2.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | NIAGARA FALLS |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 22100 |
Source: Niagara County and Niagara Falls City assessment roll, APN 291100 160.60-1-2, as of April 17, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 496 77TH ST, NIAGARA FALLS, NY 14304-3334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Dec 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage M & T BANK |
| Oct 22, 2018 | Warranty Deed, Transfer · FHA Mortgage M&T BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on Record |
| Deed Sale | Oct 22, 2018 · Amount on Record |
| Deed Document Number | 201818599 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 496 77TH ST, NIAGARA FALLS, NY 14304-3334 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2022 |
| Title Company | STEWART TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 496 77TH ST, NIAGARA FALLS, NY 14304-3334 |
| Document Number | 0000003325 |
|---|---|
| Date | Dec 02, 2022 |
| Instrument | 2022-23325 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 496 77TH ST, NIAGARA FALLS, NY 14304-3334 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2022 |
| Title Company | STEWART TITLE INSURANCE CO |
| Name | Verified Name |
|---|---|
| Address | 77TH STREET, NIAGARA FALLS, NY 14304 |
| Document Number | 0000003326 |
|---|---|
| Date | Dec 02, 2022 |
| Instrument | 2022-23326 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | Sep 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Sep 01, 2052 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.1% |
| Index | Other |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | NIAGARA NY |
| Recording Date | Oct 22, 2018 |
| Property Address | 496 77TH ST, NIAGARA FALLS, NY 14304-3334 |
| Document Number | 0000018599 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 18599 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 9TH ST NIAGARA FALLS NY 143031352, NIAGARA FALLS, NY 14303-1352 |
| Document Number | 18600 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 18600 |
| Name | M&T BK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 21, 2048 |
Source: Niagara County and Niagara Falls City assessment roll as of April 17, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Niagara County |
| Municipality | Niagara Falls City |
| Unified School District | Niagara Falls City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,134.00 | $79,300 (+17.83%) Land $2,000 Building $77,300 | $176,200 (+41.41%) Land $4,444 Building $171,756 |
| 2023 | $67,300 Land $2,000 Building $65,300 | $124,600 Land $3,703 Building $120,897 |
Source: FEMA National Flood Hazard Layer, Niagara County (36063C), as of November 6, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 874 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Greenlight Networks Holding Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Source: EPA Safe Drinking Water Information System, water system NY3100568, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | NIAGARA FALLS WATER BOARD serves 50,193 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 6 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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