20 Cross Rd, Panama, NY 14767 Property Records

Chautauqua County and Harmony Town property record for 20 Cross Rd, Panama, NY 14767

Property Summary

Property Type	Mobile Home
Details	3 bd · 1,196 sqft · built 1996
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$184,500 (Apr 2026)
Tax Bill	$2,054 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2017 Mortgage
APN	`064889 450.00-1-33`

Property Details

APN / Parcel Number

Primary APN	`064889 450.00-1-33`
Alternative APNs	`48894500000001033000` `48200`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	1,196 sqft Living Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	43,560 sqft (1 acres)

Exterior Amenities

Porch	Slab
Porch Area	808 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Heating System	HVAC
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	48200
Street Address	20 CROSS RD
City	PANAMA
State	NY
Zip	14767-9773
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	01 - NOT Z
Legal Description	OLD APN: 064889 14-1-28
Legal Block	1
Legal Lot Number	33.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	HARMONY
Census Block Group	2
Census Block	2039
Census Tract	36802

Owner

Source: Chautauqua County and Harmony Town records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	215 MARION ST, CORRY, PA 16407-1452
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jun 22, 2017	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	Aug 21, 2006 · Amount on Record
Deed Document Number	20262844
Record Updated	Oct 29, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Apr 16, 2026
Property Address	20 CROSS RD, PANAMA, NY 14767-9773
Document Number	0000002844
Instrument Date	Apr 8, 2026
Instrument	20262844
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	CHAUTAUQUA ABSTRACT COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74,538.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	215 MARION ST, CORRY, PA 16407-1452

Mortgage

Document Number	MT2026001887,
Date	Apr 16, 2026
Instrument	20261887

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	20 CROSS RD, PANAMA, NY 14767-9773
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, MT2017002883
Date	Jun 22, 2017
Instrument	MT2017002883

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	235 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

Source: Chautauqua County and Harmony Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	Harmony Town
Unified School District	Panama Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,054.00 (+2.55%) Homeowner's exemption
2025	$2,003.00	$63,000 (-) Land $12,000 Building $51,000	$105,000 (+19.18%) Land $20,000 Building $85,000
2023		$63,000 (-) Land $12,000 Building $51,000	$88,100 (+22.5%) Land $16,781 Building $71,319
2022	Homeowner's exemption	$63,000 Land $12,000 Building $51,000	$71,918 Land $13,699 Building $58,219

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Claims	2 (2014–2019)
Most Recent Claim	Jan 2019 · other causes

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 80% of the US · above 43% of Pennsylvania
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream DSL	50 / 3

May also be available: Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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