92 Clover Pl, Buffalo, NY 14225 Property Records

Erie County and Cheektowaga Town property record for 92 Clover Pl, Buffalo, NY 14225

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 956 sqft · built 1920
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on File
Tax Bill	$3,821 (2026)
Deeds & Mortgages	Sep 2021 Mortgage Jun 2019 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`143089 91.20-11-76`

Property Details

APN / Parcel Number

Primary APN	`143089 91.20-11-76`
Alternative APNs	`30890912000011076000` `022 0453000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	956 sqft Living Area
1st Floor Area	776 sqft
Attic	Attic
Attic Area	180 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	120 ft deep x 31 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	022 0453000
Street Address	92 CLOVER PL
City	BUFFALO
State	NY
Zip	14225-3306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02R
Legal Description	MC 962 SL 62
Legal Subdivision	THE HOLLAND LAND COMPANYS SURVEY
Legal Block	11
Legal Lot Number	76.000
Jurisdiction	ERIE NY
Township / Civil Division	CHEEKTOWAGA
Census Block Group	1
Census Block	1006
Census Tract	10600

Owner

92 Clover Pl is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	92 CLOVER PL, BUFFALO, NY 14225-3306
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
Sep 14, 2021	Deed of Trust, Mortgage · Closed-End Mortgage KEY BANK NA
Jun 18, 2019	Deed of Trust, Mortgage · Conventional with PMI KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	92 CLOVER PL, CHEEKTOWAGA, NY 14225-3306
Transaction Type	Mortgage
Record Updated	Nov 23, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CLOVER PL, CHEEKTOWAGA, NY 14225-3306

Mortgage

Document Number	0140146587
Date	Sep 14, 2021
Book Page	14014/6587
Instrument	2021181377

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 11, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ERIE NY
Property Address	92 CLOVER PL, CHEEKTOWAGA, NY 14225-3306
Document Number	0139082671
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Sep 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 CLOVER PL CHEEKTOWAGA NY 142253306, CHEEKTOWAGA, NY 14225-3306

Mortgage

Document Number	0139082671
Date	Aug 26, 2019
Book Page	013908/002671

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 92 Clover Pl was $3,821 with exemptions applied, up 21.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Erie County
County Subdivision	Cheektowaga Town
Unified School District	Cheektowaga-Maryvale Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,821.00 (+21.3%) Homeowner's exemption Senior Citizen's exemption
2025	$3,150.00 (+41.19%)	$114,000 (-) Land $11,000 Building $103,000	$152,000 (+6.67%) Land $14,667 Building $137,333
2024	$2,231.00 Homeowner's exemption Senior Citizen's exemption	$114,000 (-) Land $11,000 Building $103,000	$142,500 (+13.75%) Land $13,750 Building $128,750
2023	Homeowner's exemption Senior Citizen's exemption	$114,000 (-) Land $11,000 Building $103,000	$125,275 (+9.89%) Land $12,088 Building $113,187
2022		$114,000 Land $11,000 Building $103,000	$114,000 Land $11,000 Building $103,000
2021	$1,477.00

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

Flood

FEMA maps place 92 Clover Pl in Zone X, an area of moderate flood risk, though there have been 8 flood claims nearby since 1978.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	8 (1978–1987)
Claims Outside the SFHA	5 of 8
Most Recent Claim	Jun 1987 · tidal / storm surge

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 92 Clover Pl 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	ECWA DIRECT public/private · serves 313,380 people · EPA ID NY1400443
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	6 ppb (2025) 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 575 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
GoNetspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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