Chautauqua County and Harmony Town property record for 285 Maloy Rd, Panama, NY 14767 · Last verified July 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,404 sqft · built 2002 |
| Lot Size | 46.4 acres (2,021,184 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,507 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2021 Refinance |
| APN | 064889 450.02-1-37.1 |
| Primary APN | 064889 450.02-1-37.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,404 sqft Living Area |
| 1st Floor Area | 1,404 sqft |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 2,021,184 sqft (46.4 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Shed | 1 Shed |
| Canopy | 210 sqft |
| Pole Barn | Pole Barn |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 48200 |
|---|---|
| Street Address | 285 MALOY RD |
| City | PANAMA |
| State | NY |
| Zip | 14767-9721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | OLD APN: 064889 18-4-1.1 |
| Legal Block | 1 |
| Legal Lot Number | 37.001 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | HARMONY |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 36802 |
Source: Chautauqua County and Harmony Town records · APN 064889 450.02-1-37.1
Assessment roll updated April 28, 2026 · Last verified July 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 | 285 MALOY RD, PANAMA, NY 14767-9721 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 07, 2022 | Deed of Trust, Mortgage · Second Mortgage (Down Payment) NORTHWEST BANK |
| May 03, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 285 MALOY RD, PANAMA, NY 14767-9721 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | MT2022002814 |
|---|---|
| Date | Jun 07, 2022 |
| Instrument | MT2022002814 |
| Name | NORTHWEST BANK |
|---|
| Type | Second Mortgage (Down Payment) |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 285 MALOY RD, PANAMA, NY 14767-9721 |
| Transaction Type | Mortgage |
| Record Updated | May 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT2021002464 |
|---|---|
| Date | May 03, 2021 |
| Instrument | MT2021002464 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 01, 2036 |
Source: Chautauqua County and Harmony Town records · Assessment roll updated April 28, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| County Subdivision | Harmony Town |
| Unified School District | Panama Central School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,507.00 | $171,820 (-) Land $48,300 Building $123,520 | $286,400 (+19.18%) Land $80,509 Building $205,891 |
| 2023 | $171,820 (+18.5%) Land $48,300 Building $123,520 | $240,300 (+45.17%) Land $67,550 Building $172,750 | |
| 2022 | Homeowner's exemption | $145,000 Land $48,300 Building $96,700 | $165,525 Land $55,137 Building $110,388 |
Source: FEMA National Flood Hazard Layer · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | FEMA flood map data for this location is not available in our records |
|---|
| Wildfire Risk | Low above 20% of the US · above 55% of New York |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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