20 Chestnut St, Gowanda, NY 14070 Property Records

Cattaraugus County and Persia Town property record for 20 Chestnut St, Gowanda, NY 14070

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,582 sqft · built 1890
Lot Size	0.13 acres (5,700 sqft)
Owner	Company Name on Record
Last Sale	$28,750 (Mar 2020)
Tax Bill	$952 (2026)
Deeds & Mortgages	Dec 2022 Refinance Oct 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`047201 8.084-3-11`

Property Details

APN / Parcel Number

Primary APN	`047201 8.084-3-11`
Alternative APNs	`720100808400030110000000` `0866`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,582 sqft Living Area
1st Floor Area	959 sqft
2nd Floor Area	623 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,700 sqft (0.13 acres)
Lot Dimensions	95 ft deep x 60 ft wide
Porch	Porch
Porch Area	213 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	0866
Street Address	20 CHESTNUT ST
City	GOWANDA
State	NY
Zip	14070-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	26 06 08 LIFE USE
Legal Block	3
Legal Lot Number	11.000
Jurisdiction	CATTARAUGUS NY
Township / Civil Division	PERSIA
Census Block Group	2
Census Block	2019
Census Tract	960400

Owner

Source: Cattaraugus County and Persia Town records, as of October 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 786, EAST AURORA, NY 14052-0786
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Oct 5, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA
Mar 20, 2020	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Deed Book / Page	20200 / 5409
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATTARAUGUS NY
Property Address	20 CHESTNUT ST, GOWANDA, NY 14070-1402
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025782
Date	Dec 15, 2022
Instrument	202225782

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CATTARAUGUS NY
Property Address	20 CHESTNUT ST, GOWANDA, NY 14070-1402
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2022004271
Date	Oct 5, 2022
Instrument	MT2022004271

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CATTARAUGUS NY
Recording Date	Mar 20, 2020
Property Address	20 CHESTNUT ST, GOWANDA, NY 14070-1402
Document Number	0000005409
Instrument Date	Mar 20, 2020
Instrument	5409
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	180 MAIN ST HAMBURG NY 140754934, HAMBURG, NY 14075-4934

Tax Assessment & Valuation

Source: Cattaraugus County and Persia Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Cattaraugus County
County Subdivision	Persia Town
Municipality	Gowanda Village
Unified School District	Gowanda Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$952.00 (+1.49%)
2025	$938.00 (-2.29%)	$47,800 (+13.54%) Land $4,600 Building $43,200	$47,800 (+13.54%) Land $4,600 Building $43,200
2024	$960.00
2023		$42,100 Land $4,600 Building $37,500	$42,100 Land $4,600 Building $37,500

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, effective November 20, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 53 policies
Nearby Flood Policies	53 in force
Nearby Flood Claims	124 (1979–2014)
Claims Outside the SFHA	20 of 124
Most Recent Claim	May 2014 · other causes
Claims by Event	Severe Storms And Flooding, May 2014 · 111 claims

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 94% of the US · lower than 91% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	GOWANDA VILLAGE serves 2,800 people · EPA ID NY0400340
Water Source	Surface water
Last State Inspection	May 2024
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Apr 2022
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 150 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

May also be available: Armstrong.

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