Chautauqua County and North Harmony Town property record for 3614 Watson Rd, Stow, NY 14785
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,240 sqft · built 2023 |
| Lot Size | 0.27 acres (11,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Sep 2022) |
| Tax Bill | $12,426 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Feb 2025 Mortgage + 2 more |
| APN | 065400 332.16-1-23 |
| Primary APN | 065400 332.16-1-23 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,240 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 11,780 sqft (0.27 acres) |
| Lot Dimensions | 190 ft deep x 62 ft wide |
| View / Lot | Waterfront |
| Garage Type | Detached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 184 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Street Address | 3614 WATSON RD |
|---|---|
| City | STOW |
| State | NY |
| Zip | 14785 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 23.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | NORTH HARMONY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 36801 |
3614 Watson Rd is owned by an individual who bought it in September 2022.
Source: Chautauqua County and North Harmony Town records, as of September 24, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 66 FARBER LN, BUFFALO, NY 14221-5704 |
| 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.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage MANUFACTURERS BANK AND TRUST COMPANY |
| Feb 19, 2025 | Deed of Trust, Mortgage · ARM M & T BANK |
| Sep 9, 2022 | Warranty Deed, Transfer |
| Oct 14, 2009 | Intrafamily Transfer, Transfer SAMUEL PRICE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2022 · Amount on File |
| Deed Sale | Sep 9, 2022 · Amount on File |
| Deed Document Number | 20225946 |
| Prior Transfer Date | Oct 14, 2009 |
| Prior Transfer Doc | 0000002686/000000078 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | Aug 18, 2026 |
| Property Address | 3614 WATSON RD, STOW, NY 14785 |
| Document Number | 0000003147 |
| Instrument Date | Aug 10, 2026 |
| Instrument | 20263147 |
| Transaction Type | Mortgage |
| Record Updated | Sep 24, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 4443 MANOR LN, HAMBURG, NY 14075-1118 |
| Document Number | 0000003147, |
|---|---|
| Date | Aug 18, 2026 |
| Instrument | 20263147 |
| Name | MANUFACTURERS BANK AND TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 3614 WATSON RD, STOW, NY 14785 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | MT2025001363 |
|---|---|
| Date | Feb 19, 2025 |
| Instrument | MT2025001363 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.88% |
| Type Change Date | Mar 1, 2032 |
| Index | Other |
| Margin | 3 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | Sep 9, 2022 |
| Property Address | 3614 WATSON RD, STOW, NY 14785 |
| Document Number | DE2022005946 |
| Instrument Date | Sep 2, 2022 |
| Instrument | DE2022005946 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3614 WATSON RD, STOW, NY 14785 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | Oct 14, 2009 |
| Property Address | 3614 WATSON RD, STOW, NY 14785 |
| Document Number | 0000002686/0000000786 |
| Book / Page | 0000002686 / 0000000786 |
| Instrument Date | Oct 14, 2009 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Title Company | SAMUEL PRICE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 3614 Watson Rd was $12,426, up 22.3% 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 | $12,426.00 (+22.27%) | ||
| 2025 | $10,163.00 | $394,000 Land $134,100 Building $259,900 | $671,200 Land $228,446 Building $442,754 |
| 2023 | $177,100 (-) Land $134,100 Building $43,000 | $266,300 (+14.59%) Land $201,642 Building $64,658 | |
| 2022 | $177,100 Land $134,100 Building $43,000 | $232,400 Land $175,973 Building $56,427 |
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 3614 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 3614 Watson Rd is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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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