31 W Lucas Ave, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 31 W Lucas Ave, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 1900
Lot Size	0.087 acres (3,806 sqft)
Owner	Individual Name on File
Last Sale	$95,000 (May 2026)
Tax Bill	$1,664 (2026)
Deeds & Mortgages	Apr 2023 Refinance May 2026 Mortgage + 2 more
APN	`060300 96.06-3-7`

Property Details

APN / Parcel Number

Primary APN	`060300 96.06-3-7`
Alternative APNs	`03000960060003007000` `030105300`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,812 sqft Living Area
1st Floor Area	1,143 sqft
2nd Floor Area	669 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,806 sqft (0.087 acres)
Lot Dimensions	86.5 ft deep x 44 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	91 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030105300
Street Address	31 W LUCAS AVE
City	DUNKIRK
State	NY
Zip	14048-3351
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	44 X 86.5 RES; OLD APN: 060300 54-2-4
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	3
Census Block	3011
Census Tract	35600

Owner

31 W Lucas Ave is owned by an individual who bought it in May 2026.

Source: Chautauqua County and Dunkirk City records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	447 HOYT ST, DUNKIRK, NY 14048-3115
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance NEW YORK AFFORDABLE HOUSING CORP
May 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK LENA
May 8, 2026	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY BANK LENA
Oct 4, 2007	Deed, Transfer JACK F KUJAWA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 8, 2026 · Amount on File
Deed Sale	May 8, 2026 · Amount on File
Prior Sale	Jul 1, 2016 · Amount on File
Deed Document Number	20263327
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	31 W LUCAS AVE, DUNKIRK, NY 14048-3351
Transaction Type	Mortgage
Record Updated	May 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2023002042
Date	Apr 25, 2023
Instrument	MT2023002042

Lender

Name	NEW YORK AFFORDABLE HOUSING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Recording Date	May 8, 2026
Property Address	31 W LUCAS AVE, DUNKIRK, NY 14048-3351
Document Number	0000002106
Instrument Date	May 5, 2026
Instrument	20262106
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002106,
Date	May 8, 2026
Instrument	20262106

Lender

Name	COMMUNITY BANK LENA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	May 8, 2026
Property Address	31 W LUCAS AVE, DUNKIRK, NY 14048-3351
Document Number	0000003327
Instrument Date	May 4, 2026
Instrument	2026.3327
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	PRICE ABSTRACT COMPANY, PRICE ABSTRACT COMPANY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	447 HOYT ST, DUNKIRK, NY 14048-3115

Mortgage

Document Number	0000003327,
Date	May 8, 2026
Instrument	2026.3327

Lender

Name	COMMUNITY BANK LENA

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

October 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Oct 4, 2007
Property Address	31 W LUCAS AVE, DUNKIRK, NY 14048-3351
Document Number	0000002636/0000000763
Book / Page	0000002636 / 0000000763
Instrument Date	Aug 29, 2007
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount on Record
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	31 W LUCAS AVE, DUNKIRK, NY 14048-3351

Mortgage

Document Number	0000002991/0000000581
Date	Oct 4, 2007
Book Page	0000002991/0000000581
Instrument	0000004780

Lender

Name	JACK F KUJAWA
Type	Private Party

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 31 W Lucas Ave was $1,664, up 3.4% from the year before.

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	$1,664.00 (+3.35%)
2025	$1,610.00	$40,000 Land $2,200 Building $37,800	$90,909 Land $5,000 Building $85,909
2023		$40,000 (-) Land $2,200 Building $37,800	$72,727 (+14.55%) Land $4,000 Building $68,727
2022	Homeowner's exemption	$40,000 Land $2,200 Building $37,800	$63,492 Land $3,492 Building $60,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 31 W Lucas Ave; 7 flood insurance policies are in force nearby.

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	7 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

Wildfire risk around 31 W Lucas Ave is low, with less than a 0.01% annual chance of 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 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: DFT Local Service.

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