5409 Watson Rd, Elba, NY 14058 Property Records

Genesee County and Elba Town property record for 5409 Watson Rd, Elba, NY 14058

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,392 sqft · built 1900
Lot Size	4.52 acres (196,891 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,628 (2026)
Deeds & Mortgages	May 2021 Refinance Mar 2017 Mortgage + 1 more
APN	`183489 15.-1-24.2`

Property Details

APN / Parcel Number

Primary APN	`183489 15.-1-24.2`
Alternative APN	`34890150000001024002`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
1st Floor Area	924 sqft
2nd Floor Area	468 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	196,891 sqft (4.52 acres)
Lot Width	397 ft Width
Porch	Slab
Porch Area	608 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5409 WATSON RD
City	ELBA
State	NY
Zip	14058-9784
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	24.002
Jurisdiction	GENESEE NY
Township / Civil Division	ELBA
Census Block Group	1
Census Block	1012
Census Tract	950200

Owner

Source: Genesee County and Elba Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5409 WATSON RD, ELBA, NY 14058-9784
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance M & T BANK
Mar 27, 2017	Deed of Trust, Mortgage EASTMAN SAVING & LOAN FCU
May 25, 2018	Deed of Trust, Mortgage PRIME LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	5409 WATSON RD, ELBA, NY 14058-9784
Transaction Type	Mortgage
Record Updated	Jun 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2021901
Date	May 24, 2021
Instrument	MTG2021-901

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	5409 WATSON RD, ELBA, NY 14058-9784
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2017398
Date	Mar 27, 2017
Instrument	MTG2017-398

Lender

Name	EASTMAN SAVING & LOAN FCU

Agreement

Amount	Amount Recorded
Term	118 Months
Due	Jan 1, 2027

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GENESEE NY
Property Address	5409 WATSON RD, ELBA, NY 14058-9784
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MTG2018670
Date	May 25, 2018
Instrument	MTG2018-670

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

Source: Genesee County and Elba Town assessment roll, as of April 21, 2026

Property Jurisdictions

Type	Name
State	New York
County	Genesee County
County Subdivision	Elba Town
Unified School District	Elba Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,628.00 (-1.3%)
2025	$4,689.00	$148,000 (+3.5%) Land $32,300 Building $115,700	$148,000 (+3.5%) Land $32,300 Building $115,700
2023		$143,000 Land $30,600 Building $112,400	$143,000 Land $30,600 Building $112,400

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 93% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Watson Rd

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