Genesee County and Elba Town property record for 5427 Watson Rd, Elba, NY 14058
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,100 sqft · built 1990 |
| Lot Size | 0.86 acres (37,462 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,650 (2026) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Apr 2023 Transfer |
| APN | 183489 15.-1-24.12 |
| Primary APN | 183489 15.-1-24.12 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,100 sqft Living Area |
| 1st Floor Area | 1,100 sqft |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 37,462 sqft (0.86 acres) |
| Lot Dimensions | 192 ft deep x 195 ft wide |
| Porch | Slab |
| Porch Area | 204 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 5427 WATSON RD |
|---|---|
| City | ELBA |
| State | NY |
| Zip | 14058-9784 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 24.012 |
| Jurisdiction | GENESEE NY |
| Township / Civil Division | ELBA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 950200 |
5427 Watson Rd is owned and occupied by two individuals who acquired it in April 2023.
Source: Genesee County and Elba Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5427 WATSON RD, ELBA, NY 14058-9784 |
| 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 |
|---|---|
| Apr 27, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Apr 27, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 4, 2023 |
| Transfer Doc | 0DE2023617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GENESEE NY |
| Property Address | 5427 WATSON RD, ELBA, NY 14058-9784 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | MTG2023468 |
|---|---|
| Date | Apr 27, 2023 |
| Instrument | MTG2023-468 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GENESEE NY |
| Recording Date | Apr 27, 2023 |
| Property Address | 5427 WATSON RD, ELBA, NY 14058-9784 |
| Document Number | 0DE2023617 |
| Instrument Date | Apr 4, 2023 |
| Instrument | DE2023-617 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5427 WATSON RD, ELBA, NY 14058-9784 |
The 2026 property tax bill for 5427 Watson Rd was $2,650 with a homeowner's exemption, down 14.7% from the year before.
Source: Genesee County and Elba Town assessment roll, as of April 21, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Genesee County |
| County Subdivision | Elba Town |
| Unified School District | Elba Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,650.00 (-14.74%) Homeowner's exemption | ||
| 2025 | $3,108.00 | $89,000 Land $18,100 Building $70,900 | $89,000 Land $18,100 Building $70,900 |
| 2023 | $83,200 Land $17,200 Building $66,000 | $83,200 Land $17,200 Building $66,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 5427 Watson Rd; 3 flood insurance policies are in force nearby.
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 risk around 5427 Watson Rd 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 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.
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 |
5G and 4G LTE (outdoors only)
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