16 Otter St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 16 Otter St, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,707 sqft · built 1980
Lot Size	0.549 acres (23,940 sqft)
Owner	2 Company Names on Record
Tax Bill	$3,702 (2026)
Deeds & Mortgages	Mar 2018 Mortgage
APN	`060300 79.08-2-5`

Property Details

APN / Parcel Number

Primary APN	`060300 79.08-2-5`
Alternative APNs	`03000790080002005000` `030134880`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,707 sqft Living Area
1st Floor Area	1,707 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	23,940 sqft (0.549 acres)
Lot Dimensions	266 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	641 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	030134880
Street Address	16 OTTER ST
City	DUNKIRK
State	NY
Zip	14048-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	90 X 266 RES; OLD APN: 060300 25-3-10
Legal Block	2
Legal Lot Number	5.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	1
Census Block	1001
Census Tract	35500

Owner

Source: Chautauqua County and Dunkirk City records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	16 OTTER ST, DUNKIRK, NY 14048-1238
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Life Estate

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	16 OTTER ST, DUNKIRK, NY 14048-1238
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2018001766
Date	Mar 20, 2018
Instrument	MT2018001766

Lender

Name	LAKE SHORE SAVINGS BANK
Type	Bank

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Chautauqua County and Dunkirk City assessment roll, as of April 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,702.00 (+3.32%) Homeowner's exemption Senior Citizen's exemption
2025	$3,583.00	$89,000 (-) Land $9,900 Building $79,100	$202,273 (+25%) Land $22,500 Building $179,773
2023		$89,000 (-) Land $9,900 Building $79,100	$161,818 (+14.55%) Land $18,000 Building $143,818
2022	Homeowner's exemption Senior Citizen's exemption	$89,000 Land $9,900 Building $79,100	$141,270 Land $15,714 Building $125,556

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

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

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

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

Wildfire Risk	Low lower than 97% of the US · lower than 96% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	DUNKIRK CITY serves 12,743 people · EPA ID NY0600360
Water Source	Surface water
Last State Inspection	Jul 2022
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	29 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20