Chautauqua County and North Harmony Town property record for 3620 Watson Rd, Stow, NY 14785
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 2 bd · 1 ba · 1,312 sqft · built 1955 |
| Lot Size | 0.234 acres (10,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Sep 2010) |
| Tax Bill | $9,304 (2026) |
| Deeds & Mortgages | Apr 2019 Refinance Sep 2020 Refinance + 1 more |
| APN | 065400 332.16-1-20 |
| Primary APN | 065400 332.16-1-20 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,312 sqft Living Area |
| 1st Floor Area | 1,312 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 10,197 sqft (0.234 acres) |
| Lot Dimensions | 206 ft deep x 49.5 ft wide |
| View / Lot | Waterfront |
| Porch | Patio |
| Porch Area | 358 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3620 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 20-6-10 |
| Legal Block | 1 |
| Legal Lot Number | 20.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | NORTH HARMONY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 36801 |
3620 Watson Rd, a residential property, is owned by two individuals who acquired it in January 2019.
Source: Chautauqua County and North Harmony Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4332 RUSHFORD DR, HAMBURG, NY 14075-3074 |
| 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 |
|---|---|
| Apr 22, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance JPMORGAN CHASE BANK NA |
| Sep 2, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Apr 22, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2010 · Amount on File |
| Deed Sale | Sep 17, 2010 · Amount on File |
| Prior Sale | Oct 7, 2005 · Amount on File |
| Deed Book / Page | 2707 / 169 |
| Last Transfer Date | Jan 28, 2019 |
| Transfer Doc | DE2019002760 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 3620 WATSON RD, STOW, NY 14785 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2024 |
| Name | Verified Name |
|---|
| Document Number | MT2019001906 |
|---|---|
| Date | Apr 22, 2019 |
| Instrument | MT2019001906 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 3620 WATSON RD, STOW, NY 14785 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT2020003324 |
|---|---|
| Date | Sep 2, 2020 |
| Instrument | MT2020003324 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | Apr 22, 2019 |
| Property Address | 3620 WATSON RD, STOW, NY 14785 |
| Document Number | DE2019002760 |
| Instrument Date | Jan 28, 2019 |
| Instrument | DE2019002760 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 9365 MEGAN CT, MENTOR, OH 44060-1764 |
The 2026 property tax bill for 3620 Watson Rd was $9,304, 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 | $9,304.00 (+22.28%) | ||
| 2025 | $7,609.00 | $295,000 Land $119,300 Building $175,700 | $502,600 Land $203,255 Building $299,345 |
| 2023 | $295,000 (-) Land $119,300 Building $175,700 | $443,600 (+14.6%) Land $179,395 Building $264,205 | |
| 2022 | $295,000 Land $119,300 Building $175,700 | $387,100 Land $156,546 Building $230,554 |
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 3620 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 3620 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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