Chautauqua County and Harmony Town property record for 12 E Main St, Panama, NY 14767 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,686 sqft · built 1930 |
| Lot Size | 2.2 acres (95,832 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $50,000 (Nov 1995) |
| Tax Bill | $3,236 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit |
| APN | 064801 399.01-2-3 |
| Primary APN | 064801 399.01-2-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,686 sqft Living Area |
| 1st Floor Area | 1,452 sqft |
| Upper Floors Area | 234 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 95,832 sqft (2.2 acres) |
| Lot Dimensions | 193 ft deep x 225 ft wide |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 630 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 48100 |
|---|---|
| Street Address | 12 E MAIN ST |
| City | PANAMA |
| State | NY |
| Zip | 14767 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD APN: 064801 103-6-1 |
| Legal Block | 2 |
| Legal Lot Number | 3.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | HARMONY |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 36802 |
Source: Chautauqua County and Harmony Town records · APN 064801 399.01-2-3
Assessment roll updated April 28, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 12 E MAIN ST, PANAMA, NY 14767 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 1995 · Amount on Record |
| Deed Sale | Nov 16, 1995 · Amount on Record |
| Deed Book / Page | 2340 / 42 |
| Last Transfer Date | Feb 12, 2003 |
| Transfer Doc | 2516000594 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 12 E MAIN ST, PANAMA, NY 14767 |
| Transaction Type | Mortgage |
| Record Updated | Oct 15, 2025 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | MT2025003398 |
|---|---|
| Date | Sep 26, 2025 |
| Instrument | MT2025003398 |
| Name | SOUTHERN CHAUTAUGUA FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2040 |
| Rate Type | Adjustable Rate |
|---|
Source: Chautauqua County and Harmony Town records · Assessment roll updated April 28, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| County Subdivision | Harmony Town |
| Municipality | Panama Village |
| Unified School District | Panama Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,236.00 | $95,000 (-) Land $14,400 Building $80,600 | $158,300 (+19.11%) Land $23,995 Building $134,305 |
| 2023 | $95,000 (-) Land $14,400 Building $80,600 | $132,900 (+22.55%) Land $20,145 Building $112,755 | |
| 2022 | Homeowner's exemption | $95,000 Land $14,400 Building $80,600 | $108,447 Land $16,438 Building $92,009 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 5,556 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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