23 School St, Panama, NY 14767 Property Records

Chautauqua County and Harmony Town property record for 23 School St, Panama, NY 14767

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,816 sqft · built 1957
Lot Size	1.06 acres (46,365 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Nov 2023)
Tax Bill	$3,509 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Mar 2022 Sale & Mortgage + 1 more
APN	`064801 398.08-1-27`

Property Details

APN / Parcel Number

Primary APN	`064801 398.08-1-27`
Alternative APNs	`48013980080001027000` `48100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,816 sqft Living Area
1st Floor Area	1,816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	46,365 sqft (1.06 acres)
Lot Dimensions	165 ft deep x 281 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	316 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	48100
Street Address	23 SCHOOL ST
City	PANAMA
State	NY
Zip	14767-9788
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	OLD APN: 064801 103-1-3.1
Legal Block	1
Legal Lot Number	27.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	HARMONY
Census Block Group	1
Census Block	1076
Census Tract	36802

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	23 SCHOOL ST, PANAMA, NY 14767-9788
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage M & T BANK
Mar 28, 2022	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jan 13, 2017	Deed, Transfer NOT AVAILABLE, BRUCE S SCOLTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2023 · Amount on Record
Deed Sale	Nov 13, 2023 · Amount on Record
Prior Sale	Mar 28, 2022 · Amount on Record
Deed Document Number	20237036
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Nov 13, 2023
Property Address	23 SCHOOL ST, PANAMA, NY 14767-9788
Document Number	DE2023007036
Instrument Date	Nov 13, 2023
Instrument	DE2023007036
Transaction Type	Transfer
Record Updated	Dec 5, 2023

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	23 SCHOOL ST, PANAMA, NY 14767-9788

Mortgage

Document Number	MT2023004170
Date	Nov 13, 2023
Instrument	MT2023004170

Lender

Name	M & T BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Mar 28, 2022
Property Address	23 SCHOOL ST, PANAMA, NY 14767-9788
Document Number	DE2022002556
Instrument Date	Mar 28, 2022
Instrument	DE2022002556
Transaction Type	Transfer
Record Updated	Apr 19, 2022

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
Relationship	Tenants by the Entirety
Address	23 SCHOOL ST, PANAMA, NY 14767-9788

Mortgage

Document Number	MT2022002007
Date	Mar 28, 2022
Instrument	MT2022002007

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

January 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Jan 13, 2017
Property Address	23 SCHOOL ST, PANAMA, NY 14767-9788
Document Number	0000002017/0000001151
Book / Page	0000002017 / 0000001151
Instrument Date	Jan 13, 2017
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	NOT AVAILABLE, BRUCE S SCOLTON

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 SCHOOL ST, PANAMA, NY 14767-9788

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
Municipality	Panama Village
Unified School District	Panama Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,509.00	$103,000 (+5.1%) Land $12,700 Building $90,300	$171,700 (+25.24%) Land $21,171 Building $150,529
2023		$98,000 (-) Land $12,700 Building $85,300	$137,100 (+22.55%) Land $17,767 Building $119,333
2022		$98,000 Land $12,700 Building $85,300	$111,872 Land $14,498 Building $97,374

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 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 80% of the US · above 54% of New York
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 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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