91 Payne Ave, Buffalo, NY 14220 Property Records

Erie County and Buffalo City property record for 91 Payne Ave, Buffalo, NY 14220

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,260 sqft · built 1927
Lot Size	0.154 acres (6,700 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2022)
Tax Bill	$657 (2026)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`140200 133.38-1-22.1`

Property Details

APN / Parcel Number

Primary APN	`140200 133.38-1-22.1`
Alternative APNs	`02001333800001022100` `10673350`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,012 sqft
Attic	Attic
Attic Area	248 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1927
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,700 sqft (0.154 acres)
Lot Dimensions	100 ft deep x 66.5 ft wide
Pool Type	Above-Ground Pool
Pool Area	200 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	10673350
Street Address	91 PAYNE AVE
City	BUFFALO
State	NY
Zip	14220-1420
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	N-3R
Legal Description	886.72 E HOPKINS
Legal Subdivision	HOPKINS STREET
Legal Block	1
Legal Lot Number	22.100
Jurisdiction	ERIE NY
Township / Civil Division	BUFFALO
Census Block Group	3
Census Block	3002
Census Tract	200

Owner

91 Payne Ave is owned and occupied by an individual who bought it in September 2022.

Source: Erie County and Buffalo City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	91 PAYNE AVE, BUFFALO, NY 14220-1420
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2022	Warranty Deed, Transfer · Conventional Mortgage FIVE STAR BANK
Nov 26, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2022 · Amount on File
Deed Sale	Sep 2, 2022 · Amount on File
Prior Sale	Feb 17, 2012 · Amount on File
Deed Document Number	2022167556
Deed Book / Page	11407 / 1763
Prior Transfer Date	Jan 21, 2005
Prior Transfer Doc	0000000267
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ERIE NY
Recording Date	Sep 2, 2022
Property Address	91 PAYNE AVE, BUFFALO, NY 14220-1420
Document Number	0114071763
Book / Page	11407 / 1763
Instrument Date	Aug 29, 2022
Instrument	2022167556
Transaction Type	Transfer
Record Updated	Dec 7, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$760.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	91 PAYNE AVE, 91, BUFFALO, NY 14220-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 PAYNE AVE, BUFFALO, NY 14220-1420

Mortgage

Document Number	0140661162
Date	Sep 2, 2022
Instrument	14066/1162

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Mortgage

Document Number	0140661184
Date	Sep 2, 2022
Book Page	14066/1184
Instrument	2022167558

Lender

Name	WEST SIDE NEIGHBORHOOD HOUSING SERVICES
Type	Non-Lending Institution
Address	BUFFALO, NY 14213

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	61 Months
Due	Oct 1, 2027

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	ERIE NY
Recording Date	Nov 26, 2021
Property Address	91 PAYNE AVE, BUFFALO, NY 14220-1420
Document Number	0113917227
Book / Page	11391 / 7227
Map Reference	DOC 508
Instrument Date	Nov 23, 2021
Instrument	2021236478
Transaction Type	Transfer
Record Updated	Dec 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	91 PAYNE AVENUE, BUFFALO XX

Tax Assessment & Valuation

The 2026 property tax bill for 91 Payne Ave was $657, down 63.2% from the year before.

Source: Erie County and Buffalo City assessment roll, as of May 19, 2026

Property Jurisdictions

Type	Name
State	New York
County	Erie County
Municipality	Buffalo City
Unified School District	Buffalo City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$657.00 (-63.17%)
2025	$1,784.00 (+26.26%)	$199,000 (+128.74%) Land $21,000 Building $178,000	$199,000 (+40.67%) Land $21,000 Building $178,000
2024	$1,413.00 (+212.61%)	$87,000 (-) Land $10,300 Building $76,700	$141,463 (+13.82%) Land $16,748 Building $124,715
2023	$452.00	$87,000 Land $10,300 Building $76,700	$124,286 Land $14,714 Building $109,572

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 91 Payne Ave in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1979.

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 (1979–1984)
Most Recent Claim	Feb 1984 · 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.

Wildfire

The area around 91 Payne Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	BUFFALO WATER AUTHORITY serves 276,000 people · EPA ID NY1400422
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 762 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fiber · Fixed Wireless in parts of the area	980 / 880

May also be available: T-Mobile.

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