Erie County and Tonawanda Town property record for 97 Harding Ave, Buffalo, NY 14217
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1947 |
| Lot Size | 0.122 acres (5,300 sqft) |
| Owner | Individual Name on File |
| Last Sale | $213,000 (Nov 2022) |
| Tax Bill | $2,384 (2025) |
| Deeds & Mortgages | Jan 2023 Mortgage Nov 2022 Sale & Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 024-0275000 |
| Primary APN | 024-0275000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 624 sqft |
| 2nd Floor Area | 624 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,300 sqft (0.122 acres) |
| Lot Dimensions | 106 ft deep x 50 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 024-0275000 |
|---|---|
| Street Address | 97 HARDING AVE |
| City | BUFFALO |
| State | NY |
| Zip | 14217-1407 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | B |
| Legal Description | 365 W DELAWARE RD 1443 42PTS41 43 50 X 106 |
| Legal Subdivision | HOLLAND LAND COMPANYS SURVEY |
| Legal Block | 5 |
| Legal Lot Number | 19.000 |
| Jurisdiction | ERIE NY |
| Township / Civil Division | TONAWANDA |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 8102 |
Source: Erie County and Tonawanda Town records · APN 024-0275000
Assessment roll updated May 19, 2026 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 97 HARDING AVE, BUFFALO, NY 14217-1407 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 17, 2023 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) CITIZENS BANK NA |
| Nov 22, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage CITIZENS BANK NA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 22, 2022 · Amount on Record |
| Deed Sale | Nov 22, 2022 · Amount on Record |
| Prior Sale | Mar 31, 2006 · Amount on Record |
| Deed Document Number | 2022218556 |
| Deed Book / Page | 11410 / 7666 |
| Prior Transfer Date | Mar 29, 2006 |
| Prior Transfer Doc | 0111117503 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ERIE NY |
| Property Address | 97 HARDING AVE, BUFFALO, NY 14217-1407 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2023 |
| Name | Verified Name |
|---|---|
| Address | 122 SOMERTON AVE, BUFFALO, NY 14217-1626 |
| Document Number | 0140804178 |
|---|---|
| Date | Jan 17, 2023 |
| Book Page | 14080/4178 |
| Instrument | 2023008400 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ERIE NY |
| Recording Date | Nov 22, 2022 |
| Property Address | 97 HARDING AVE, BUFFALO, NY 14217-1407 |
| Document Number | 0114107666 |
| Book / Page | 11410 / 7666 |
| Instrument Date | Nov 07, 2022 |
| Instrument | 2022218556 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $852.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 971 HARDING AVENUE, TONAWANDA, NY 14217 |
| Name | Verified Name |
|---|---|
| Address | 122 SOMERTON AVE, BUFFALO, NY 14217-1626 |
| Document Number | 0014075232 |
|---|---|
| Date | Nov 22, 2022 |
| Instrument | 14075/232 |
| Name | CITIZENS BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Dec 01, 2032 |
Source: Erie County and Tonawanda Town records · Assessment roll updated May 19, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Erie County |
| County Subdivision | Tonawanda Town |
| Unified School District | Kenmore-Tonawanda Union Free School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,384.00 (+5.63%) | $50,300 (-) Land $8,500 Building $41,800 | $239,500 (+9.51%) Land $40,472 Building $199,028 |
| 2024 | $2,257.00 (-52.71%) | $50,300 (-) Land $8,500 Building $41,800 | $218,696 (+4.34%) Land $36,957 Building $181,739 |
| 2023 | $50,300 Land $8,500 Building $41,800 | $209,600 Land $35,419 Building $174,181 | |
| 2019 | $4,773.00 |
Source: FEMA National Flood Hazard Layer as of November 20, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Feb 1985 · tidal / storm surge |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 842 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TONAWANDA, TOWN WATER DEPT. serves 72,571 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2022–2024) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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