274 Ruggles St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 274 Ruggles St, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,764 sqft · built 1988
Lot Size	0.618 acres (26,950 sqft)
Owner	2 Individual Names on File
Last Sale	$5,000 (Aug 2023)
Tax Bill	$3,462 (2025)
Deeds & Mortgages	Aug 2023 Sale Nov 2018 Line of Credit
APN	`060300 79.20-6-6`

Property Details

APN / Parcel Number

Primary APN	`060300 79.20-6-6`
Alternative APNs	`03000790200006006000` `030163610`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,764 sqft Living Area
1st Floor Area	1,008 sqft
Upper Floors Area	756 sqft
Game Room	Game Room

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	26,950 sqft (0.618 acres)
Lot Dimensions	245 ft deep x 110 ft wide
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	378 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030163610
Street Address	274 RUGGLES ST
City	DUNKIRK
State	NY
Zip	14048-3006
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	110 X 245 RES; OLD APN: 060300 35-2-1.3
Legal Block	6
Legal Lot Number	6.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	3
Census Block	3017
Census Tract	35400

Owner

Source: Chautauqua County and Dunkirk City assessment roll, 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	2 Individual Names on File
Mailing Address	274 RUGGLES ST, DUNKIRK, NY 14048-3006
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Warranty Deed, Transfer
Nov 2, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Aug 6, 2003 · Amount on Record
Deed Document Number	20235030
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Aug 11, 2023
Property Address	274 RUGGLES ST, DUNKIRK, NY 14048-3006
Document Number	DE2023005030
Instrument	DE2023005030
Transaction Type	Transfer
Record Updated	Aug 29, 2023

Transaction

Amount	Amount Recorded
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	256 RUGGLES ST, DUNKIRK, NY 14048-3054

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	274 RUGGLES ST, DUNKIRK, NY 14048-3006
Transaction Type	Mortgage
Record Updated	Nov 22, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2018004281
Date	Nov 2, 2018
Instrument	MT2018004281

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2048

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
2025	$3,462.00	$86,000 (-) Land $6,300 Building $79,700	$195,455 (+25%) Land $14,318 Building $181,137
2023		$86,000 (-) Land $6,300 Building $79,700	$156,364 (+14.55%) Land $11,455 Building $144,909
2022	Homeowner's exemption	$86,000 Land $6,300 Building $79,700	$136,508 Land $10,000 Building $126,508

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 93% of the US · lower than 89% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

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 140 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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