3630 Watson Rd, Stow, NY 14785 Property Records

Chautauqua County and North Harmony Town property record for 3630 Watson Rd, Stow, NY 14785

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 776 sqft · built 1904
Lot Size	0.275 acres (11,978 sqft)
Owner	Individual Name on File
Last Sale	$83,759 (Sep 2020)
Tax Bill	$6,131 (2026)
Deeds & Mortgages	Sep 2020 Sale
APN	`065400 332.16-1-14`

Property Details

APN / Parcel Number

Primary APN	`065400 332.16-1-14`
Alternative APN	`54003320160001014000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	776 sqft Living Area
1st Floor Area	412 sqft
2nd Floor Area	364 sqft

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1904
Architectural Style	Cottage
Exterior Material	Wood
Foundation Type	Slab (Mat/Raft)
Lot Area	11,978 sqft (0.275 acres)
Lot Dimensions	226 ft deep x 53 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	127 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3630 WATSON RD
City	STOW
State	NY
Zip	14785-9717
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	02 - SINGL
Legal Description	OLD APN: 065400 20-6-4
Legal Block	1
Legal Lot Number	14.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	NORTH HARMONY
Census Block Group	3
Census Block	3008
Census Tract	36801

Owner

3630 Watson Rd, a residential property, is owned by an individual who bought it in September 2020.

Source: Chautauqua County and North Harmony Town records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	11436 W ASBURY CT, LAKEWOOD, CO 80227-1966
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 14, 2020 · Amount on File
Deed Sale	Sep 14, 2020 · Amount on File
Deed Document Number	20204959
Prior Transfer Date	Aug 23, 2013
Prior Transfer Doc	0000002013/000000495
Record Updated	Oct 29, 2026

September 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Sep 14, 2020
Property Address	3630 WATSON RD, STOW, NY 14785-9717
Document Number	DE2020004959
Instrument Date	Sep 4, 2020
Instrument	DE2020004959
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount 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	11436 W ASBURY CT, LAKEWOOD, CO 80227-1966

Tax Assessment & Valuation

The 2026 property tax bill for 3630 Watson Rd was $6,131, up 22.3% from the year before.

Source: Chautauqua County and North Harmony Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	North Harmony Town
Unified School District	Chautauqua Lake Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,131.00 (+22.28%)
2025	$5,014.00	$194,400 Land $117,900 Building $76,500	$331,200 Land $200,867 Building $130,333
2023		$194,400 (-) Land $117,900 Building $76,500	$292,300 (+14.58%) Land $177,275 Building $115,025
2022		$194,400 Land $117,900 Building $76,500	$255,100 Land $154,713 Building $100,387

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 3630 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

Wildfire risk around 3630 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.

Internet Providers

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