445 Lord St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 445 Lord St, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,280 sqft · built 1948
Lot Size	0.321 acres (14,000 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Nov 2021)
Tax Bill	$2,621 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
APN	`060300 79.20-5-12`

Property Details

APN / Parcel Number

Primary APN	`060300 79.20-5-12`
Alternative APNs	`03000790200005012000` `030103080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Cape Cod
Exterior Material	Brick
Lot Area	14,000 sqft (0.321 acres)
Lot Dimensions	100 ft deep x 140 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	505 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	030103080
Street Address	445 LORD ST
City	DUNKIRK
State	NY
Zip	14048-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	140 X 100 RES GAR; OLD APN: 060300 34-11-13
Legal Block	5
Legal Lot Number	12.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	3
Census Block	3020
Census Tract	35400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	445 LORD ST, DUNKIRK, NY 14048-3117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 29, 2021 · Amount on Record
Deed Sale	Nov 29, 2021 · Amount on Record
Prior Sale	Mar 1, 2013 · Amount on Record
Deed Document Number	20218161
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Nov 29, 2021
Property Address	445 LORD ST, DUNKIRK, NY 14048-3117
Document Number	DE2021008161
Instrument Date	Nov 24, 2021
Instrument	DE2021008161
Transaction Type	Transfer
Record Updated	Dec 21, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	323 WOODROW AVE, DUNKIRK, NY 14048-1933

Mortgage

Document Number	MT2021005327
Date	Nov 29, 2021
Instrument	MT2021005327

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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
2025	$2,621.00	$65,100 (-) Land $5,000 Building $60,100	$147,955 (+25%) Land $11,364 Building $136,591
2023		$65,100 (-) Land $5,000 Building $60,100	$118,364 (+14.55%) Land $9,091 Building $109,273
2022		$65,100 Land $5,000 Building $60,100	$103,333 Land $7,936 Building $95,397

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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

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 140 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Lord St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures