820 Ostrander Rd, Elma, NY 14059 Property Records

Erie County and Elma Town property record for 820 Ostrander Rd, Elma, NY 14059

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,520 sqft · built 1940
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jul 2020)
Tax Bill	$5,034 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`144200 156.00-1-8.1`

Property Details

APN / Parcel Number

Primary APN	`144200 156.00-1-8.1`
Alternative APN	`42001560000001008100`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,520 sqft Living Area
1st Floor Area	1,705 sqft
2nd Floor Area	815 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Lot Dimensions	484 ft deep x 180 ft wide
Garage Type	Mixed
Garage Area	1,536 sqft
Parking Spaces	6 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	820 OSTRANDER RD
City	ELMA
State	NY
Zip	14059-9235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	BUFFALO CREEK RESERVATION
Legal Block	1
Legal Lot Number	8.100
Jurisdiction	ERIE NY
Township / Civil Division	ELMA
Census Block Group	2
Census Block	2041
Census Tract	14101

Owner

820 Ostrander Rd is owned and occupied by two individuals who bought it in July 2020.

Source: Erie County and Elma Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 OSTRANDER RD, EAST AURORA, NY 14052-1200
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Jul 8, 2020	Grant Deed, Transfer · Conventional with PMI KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on File
Deed Sale	Jul 8, 2020 · Amount on File
Prior Sale	Sep 28, 2015 · Amount on File
Deed Document Number	2020109355
Deed Book / Page	11362 / 5769
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	820 OSTRANDER RD, ELMA, NY 14059-9235
Transaction Type	Mortgage
Record Updated	Feb 1, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 OSTRANDER RD, EAST AURORA, NY 14052-1200

Mortgage

Document Number	0140768375
Date	Dec 8, 2022
Book Page	14076/8375
Instrument	2022228575

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ERIE NY
Recording Date	Jul 8, 2020
Property Address	820 OSTRANDER RD, ELMA, NY 14059-9235
Document Number	0113625769
Book / Page	011362 / 005769
Instrument Date	Jan 13, 2020
Transaction Type	Transfer
Record Updated	Aug 3, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4030 HARRIS HILL RD WILLIAMSVILLE NY 142217403, WILLIAMSVILLE, NY 14221-7403

Mortgage

Document Number	139461071
Date	Jul 8, 2020
Book Page	013946/001071

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 820 Ostrander Rd was $5,034, up 267.2% from the year before.

Source: Erie County and Elma Town assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Elma Town
Unified School District	Iroquois Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,034.00 (+267.18%)
2025	$1,371.00 (-71.61%)	$8,700 (-) Land $1,900 Building $6,800	$334,600 (+3.84%) Land $73,074 Building $261,526
2024	$4,829.00	$8,700 (-) Land $1,900 Building $6,800	$322,222 (+3.7%) Land $70,370 Building $251,852
2023		$8,700 Land $1,900 Building $6,800	$310,714 Land $67,857 Building $242,857

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.

Flood

FEMA maps place 820 Ostrander Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jan 1998 · river or lake flooding

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

Wildfire risk around 820 Ostrander 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 91% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ELMA WATER DISTRICT NO. 1 serves 10,287 people · EPA ID NY1420549
Water Source	Purchased surface water from ECWA DIRECT
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 109 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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