Chautauqua County and North Harmony Town property record for 3604 Watson Rd, Stow, NY 14785
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 742 sqft · built 1900 |
| Lot Size | 0.106 acres (4,624 sqft) |
| Owner | Individual Name on File |
| Last Sale | $33,867 (Aug 2014) |
| Tax Bill | $3,204 (2026) |
| APN | 065400 332.16-1-28 |
| Primary APN | 065400 332.16-1-28 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 742 sqft Living Area |
| 1st Floor Area | 454 sqft |
| Upper Floors Area | 288 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 4,624 sqft (0.106 acres) |
| Lot Dimensions | 136 ft deep x 34 ft wide |
| View / Lot | Waterfront |
| Porch | Slab |
| Porch Area | 192 sqft |
| Shed | 1 Shed |
| Heating System | HVAC |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3604 WATSON RD |
|---|---|
| City | STOW |
| State | NY |
| Zip | 14785 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | OLD APN: 065400 20-6-18.3 |
| Legal Block | 1 |
| Legal Lot Number | 28.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | NORTH HARMONY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 36801 |
3604 Watson Rd, a residential property, is owned by an individual who bought it in August 2014.
Source: Chautauqua County and North Harmony Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1545 PRINCE EDWARD ST, MOUNT PLEASANT, SC 29466-9408 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2014 · Amount on File |
| Deed Sale | Aug 8, 2014 · Amount on File |
| Deed Book / Page | 2014 / 4596 |
| Prior Transfer Date | Mar 17, 2010 |
| Prior Transfer Doc | 0000002695/000000046 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 3604 Watson Rd was $3,204, up 22.2% from the year before.
Source: Chautauqua County and North Harmony Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| County Subdivision | North Harmony Town |
| Unified School District | Chautauqua Lake Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,204.00 (+22.24%) | ||
| 2025 | $2,621.00 | $101,600 Land $76,500 Building $25,100 | $173,100 Land $130,336 Building $42,764 |
| 2023 | $101,600 (-) Land $76,500 Building $25,100 | $152,800 (+14.63%) Land $115,051 Building $37,749 | |
| 2022 | $101,600 Land $76,500 Building $25,100 | $133,300 Land $100,369 Building $32,931 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 3604 Watson Rd; there have been 3 flood claims nearby since 2014.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 3 (2014–2021) |
| Most Recent Claim | Jul 2021 · river or lake flooding |
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 risk around 3604 Watson Rd 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 96% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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