Chautauqua County and North Harmony Town property record for 3670 Watson Rd, Stow, NY 14785
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 924 sqft · built 1925 |
| Lot Size | 0.145 acres (6,326 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,000 (Sep 2015) |
| Tax Bill | $2,129 (2026) |
| Deeds & Mortgages | Mar 2018 Mortgage |
| APN | 065400 332.16-1-59.1 |
| Primary APN | 065400 332.16-1-59.1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 924 sqft Living Area |
| 1st Floor Area | 720 sqft |
| Upper Floors Area | 204 sqft |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Cottage |
| Exterior Material | Wood |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 6,326 sqft (0.145 acres) |
| Lot Dimensions | 131 ft deep x 48 ft wide |
| Garage Type | Attached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 356 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3670 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 | 59.001 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | NORTH HARMONY |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 36801 |
3670 Watson Rd is owned by two individuals who bought it in September 2015.
Source: Chautauqua County and North Harmony Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 PARK AVE, ELDRED, PA 16731-4535 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2015 · Amount on File |
| Deed Sale | Sep 17, 2015 · Amount on File |
| Prior Sale | Dec 11, 2008 · Amount on File |
| Deed Book / Page | 2015 / 5569 |
| Prior Transfer Date | Jul 8, 2010 |
| Prior Transfer Doc | 0000002702/000000000 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 3670 WATSON RD, STOW, NY 14785 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT2018001776 |
|---|---|
| Date | Mar 20, 2018 |
| Instrument | MT2018001776 |
| Name | HAMLIN BANK & TRUST |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 178 Months |
| Due | Jan 1, 2033 |
The 2026 property tax bill for 3670 Watson Rd was $2,129, 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 | $2,129.00 (+22.29%) | ||
| 2025 | $1,741.00 | $67,500 Land $19,300 Building $48,200 | $115,000 Land $32,881 Building $82,119 |
| 2023 | $67,500 (-) Land $19,300 Building $48,200 | $101,500 (+14.56%) Land $29,021 Building $72,479 | |
| 2022 | $67,500 Land $19,300 Building $48,200 | $88,600 Land $25,333 Building $63,267 |
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 3670 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 3670 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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