21 Oak St, Silver Creek, NY 14136 Property Records

Chautauqua County and Hanover Town property record for 21 Oak St, Silver Creek, NY 14136

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,032 sqft · built 1920
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$96,900 (Oct 2021)
Tax Bill	$2,809 (2026)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2021 Sale & Mortgage
APN	`064603 32.18-2-33`

Property Details

APN / Parcel Number

Primary APN	`064603 32.18-2-33`
Alternative APN	`46030320180002033000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,000 sqft (0.16 acres)
Lot Dimensions	175 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	21 OAK ST
City	SILVER CREEK
State	NY
Zip	14136-1238
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OLD APN: 064603 104-4-18
Legal Block	2
Legal Lot Number	33.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	HANOVER
Census Block Group	1
Census Block	1031
Census Tract	35100

Owner

Source: Chautauqua County and Hanover Town 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 Individual Names on Record
Mailing Address	21 OAK ST, SILVER CREEK, NY 14136-1238
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit MANUFACTURERS & TRADERS TRUST CO
Oct 5, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on Record
Deed Sale	Oct 5, 2021 · Amount on Record
Prior Sale	Jan 18, 2013 · Amount on Record
Deed Document Number	20217077
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	21 OAK ST, SILVER CREEK, NY 14136-1238
Transaction Type	Mortgage
Record Updated	Dec 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2025004056
Date	Dec 2, 2025
Instrument	MT2025004056

Lender

Name	MANUFACTURERS & TRADERS TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Oct 5, 2021
Property Address	21 OAK ST, SILVER CREEK, NY 14136-1238
Document Number	DE2021007077
Instrument Date	Oct 1, 2021
Instrument	DE2021007077
Transaction Type	Transfer
Record Updated	Oct 26, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	352 COLTON AVE, BELLEFONTAINE, OH 43311-1824

Mortgage

Document Number	MT2021004606
Date	Oct 5, 2021
Instrument	MT2021004606

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	Hanover Town
Municipality	Silver Creek Village
Unified School District	Silver Creek Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,809.00 (+3.42%)
2025	$2,716.00	$52,400 (-) Land $5,200 Building $47,200	$109,167 (+20.83%) Land $10,833 Building $98,334
2023		$52,400 (-) Land $5,200 Building $47,200	$90,345 (+18.97%) Land $8,966 Building $81,379
2022		$52,400 Land $5,200 Building $47,200	$75,942 Land $7,536 Building $68,406

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
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	62 (1979–2020)
Claims Outside the SFHA	7 of 62
Most Recent Claim	Nov 2020 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Aug 2009 · 5 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	SILVER CREEK VILLAGE serves 3,100 people · EPA ID NY0600375
Water Source	Purchased surface water from ECWA DIRECT
Last State Inspection	Mar 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 310 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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