249 Ruggles St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 249 Ruggles St, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,264 sqft · built 1955
Lot Size	0.275 acres (12,000 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Jul 2022)
Tax Bill	$2,350 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Dec 2021 Sale
APN	`060300 79.20-7-28`

Property Details

APN / Parcel Number

Primary APN	`060300 79.20-7-28`
Alternative APNs	`03000790200007028000` `030162690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,264 sqft Living Area
1st Floor Area	1,264 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	12,000 sqft (0.275 acres)
Lot Dimensions	100 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030162690
Street Address	249 RUGGLES ST
City	DUNKIRK
State	NY
Zip	14048-3013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	120 X 100 RES; OLD APN: 060300 35-12-12
Legal Block	7
Legal Lot Number	28.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	3
Census Block	3029
Census Tract	35400

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	Individual Name on Record
Mailing Address	249 RUGGLES ST, DUNKIRK, NY 14048-3013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FIVE STAR BANK
Dec 17, 2021	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2022 · Amount on Record
Deed Sale	Jul 20, 2022 · Amount on Record
Prior Sale	Dec 17, 2021 · Amount on Record
Deed Document Number	20224620
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Jul 20, 2022
Property Address	249 RUGGLES ST, DUNKIRK, NY 14048-3013
Document Number	DE2022004620
Instrument Date	Jul 20, 2022
Instrument	DE2022004620
Transaction Type	Transfer
Record Updated	Aug 9, 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
Address	34 FOREST PL, FREDONIA, NY 14063-1721

Mortgage

Document Number	MT2022003313
Date	Jul 20, 2022
Instrument	MT2022003313

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Mortgage

Document Number	MT2022003314
Date	Jul 20, 2022
Instrument	MT2022003314

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded

December 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Dec 17, 2021
Property Address	249 RUGGLES ST, DUNKIRK, NY 14048-3013
Document Number	DE2021008665
Instrument Date	Dec 13, 2021
Instrument	DE2021008665
Transaction Type	Transfer
Record Updated	Jan 4, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	792 W MAIN ST, KENNEDY, NY 14747-9600

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	$2,350.00 (+3.34%)
2025	$2,274.00	$56,500 (-) Land $4,800 Building $51,700	$128,409 (+25%) Land $10,909 Building $117,500
2023		$56,500 (-) Land $4,800 Building $51,700	$102,727 (+14.54%) Land $8,727 Building $94,000
2022		$56,500 Land $4,800 Building $51,700	$89,683 Land $7,619 Building $82,064

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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	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 596 locations within half a mile, as of December 31, 2025

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

May also be available: DFT Local Service, Verizon.

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