40 W Howard Ave, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 40 W Howard Ave, Dunkirk, NY 14048

Property Summary

Property Type	Duplex
Details	6 bd · 2 ba · 2,196 sqft · built 1920
Lot Size	0.258 acres (11,244 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Sep 2025)
Tax Bill	$1,368 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Oct 2021 Refinance + 1 more
APN	`060300 96.06-3-21`

Property Details

APN / Parcel Number

Primary APN	`060300 96.06-3-21`
Alternative APNs	`03000960060003021000` `030065550`

Interior

Bedrooms	6 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,196 sqft Total Area
1st Floor Area	1,188 sqft
2nd Floor Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	11,244 sqft (0.258 acres)
Lot Dimensions	93.7 ft deep x 120 ft wide
Porch	Slab
Porch Area	356 sqft
Patio Area	388 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	030065550
Street Address	40 W HOWARD AVE
City	DUNKIRK
State	NY
Zip	14048-3341
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	INCLUDES 66-1-9 120 X 93.7 IRR RES; OLD APN: 060300 66-1-10
Legal Block	3
Legal Lot Number	21.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	3
Census Block	3013
Census Tract	35600

Owner

Source: Chautauqua County and Dunkirk City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	33 E 6TH ST, DUNKIRK, NY 14048-2512
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2023	Warranty Deed, Transfer · Commercial Mortgage AMERIFIRST FINANCIAL
Oct 6, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE SHORE SAVINGS BANK
Feb 19, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025 · Amount on Record
Deed Sale	Sep 17, 2025 · Amount on Record
Prior Sale	Jun 16, 2023 · Amount on Record
Deed Document Number	20255866
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Jun 16, 2023
Property Address	40 W HOWARD AVE, DUNKIRK, NY 14048-3341
Document Number	DE2023003939
Instrument Date	Jun 12, 2023
Instrument	DE2023003939
Transaction Type	Transfer
Record Updated	Jul 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	132 S MERMOSA, SIERRA MADRE, CA 91024

Mortgage

Document Number	MT2023002590
Date	Jun 16, 2023
Instrument	MT2023002590

Lender

Name	AMERIFIRST FINANCIAL

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	40 W HOWARD AVE, DUNKIRK, NY 14048-3341
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2021004623
Date	Oct 6, 2021
Instrument	MT2021004623

Lender

Name	LAKE SHORE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

February 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Feb 19, 2021
Property Address	40 W HOWARD AVE, DUNKIRK, NY 14048-3341
Document Number	DE2021001936
Instrument Date	Feb 18, 2021
Instrument	DE2021001936
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
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
Relationship	Tenants by the Entirety
Address	40 W HOWARD AVE, DUNKIRK, NY 14048-3341

Tax Assessment & Valuation

Source: Chautauqua County and Dunkirk City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
Municipality	Dunkirk City
Unified School District	Dunkirk City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,368.00 (+3.32%)
2025	$1,324.00	$32,900 (-) Land $4,700 Building $28,200	$74,773 (+25%) Land $10,682 Building $64,091
2023		$32,900 (+55.19%) Land $4,700 Building $28,200	$59,818 (+77.76%) Land $8,545 Building $51,273
2022	Additional exemption filed	$21,200 Land $4,700 Building $16,500	$33,651 Land $7,460 Building $26,191

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	7 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.9% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DUNKIRK CITY serves 12,743 people · EPA ID NY0600360
Water Source	Surface water
Last State Inspection	Jul 2022
Lead	10 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory currently in violation since Oct 2024
Monitoring and Reporting	29 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 211 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: DFT Local Service.

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