4577 Warner Bay Rd, Bemus Point, NY 14712 Property Records

Chautauqua County and Ellery Town property record for 4577 Warner Bay Rd, Bemus Point, NY 14712

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,296 sqft · built 1988
Lot Size	0.305 acres (13,320 sqft)
Owner	2 Individual Names on File
Last Sale	$750,000 (Aug 2023)
Tax Bill	$11,318 (2026)
Deeds & Mortgages	Oct 2019 Refinance Oct 2011 Mortgage + 4 more
APN	`063689 315.11-1-45`

Property Details

APN / Parcel Number

Primary APN	`063689 315.11-1-45`
Alternative APN	`36893150110001045000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,296 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,064 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	13,320 sqft (0.305 acres)
Lot Dimensions	222 ft deep x 60 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	996 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	476 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4577 WARNER BAY RD
City	BEMUS POINT
State	NY
Zip	14712-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	OLD APN: 063689 28-1-36
Legal Block	1
Legal Lot Number	45.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	ELLERY
Census Block Group	4
Census Block	4010
Census Tract	36902

Owner

4577 Warner Bay Rd is owned by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	7 DORCHESTER CT, LANCASTER, NY 14086-9357
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

Date	Document
Oct 30, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK
Oct 18, 2011	Deed of Trust, Mortgage CATTARAUGUS COUNTY BANK
May 4, 2009	Deed of Trust, Mortgage COMMUNITY BANK NA
Aug 4, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage MORGAN STANLEY PRIVATE BANK
Dec 1, 2016	Deed, Transfer JOHN D VANSTROM
May 15, 2014	Deed, Transfer JOHN VANSTROM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2023 · Amount on File
Deed Sale	Aug 4, 2023 · Amount on File
Prior Sale	May 15, 2014 · Amount on File
Deed Document Number	20234889
Prior Transfer Date	Dec 1, 2016
Prior Transfer Doc	0000002016/000000726
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2019004007
Date	Oct 30, 2019
Instrument	MT2019004007

Lender

Name	CITIZENS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004178
Date	Oct 18, 2011
Instrument	0000004178

Lender

Name	CATTARAUGUS COUNTY BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	351 Months
Due	Jan 1, 2041

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Transaction Type	Mortgage
Record Updated	Apr 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003083/0000000602
Date	May 4, 2009
Book Page	0000003083/0000000602

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount on Record

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Aug 4, 2023
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Document Number	DE2023004889
Instrument Date	Aug 4, 2023
Instrument	DE2023004889
Transaction Type	Transfer
Record Updated	Apr 16, 2026

Transaction

Amount	Amount on Record
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
Relationship	Tenants by the Entirety
Address	7 DORCHESTER CT, LANCASTER, NY 14086-9357

Mortgage

Document Number	MT2023003090
Date	Aug 4, 2023
Instrument	MT2023003090

Lender

Name	MORGAN STANLEY PRIVATE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Type Change Date	Sep 1, 2033
Max Rate At Change	3%
Index	Other
Margin	3

December 2016: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Dec 1, 2016
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Document Number	0000002016/0000007261
Book / Page	0000002016 / 0000007261
Instrument Date	Dec 1, 2016
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	JOHN D VANSTROM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1770 ARLINGTON ROW, WESTLAKE, OH 44145-3561
Investor	Possibly a Property Investor

May 2014: Deed, Transfer

Document Type	Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	May 15, 2014
Property Address	4577 WARNER BAY RD, BEMUS POINT, NY 14712-9636
Document Number	0000002014/0000002729
Book / Page	0000002014 / 0000002729
Instrument Date	May 15, 2014
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	JOHN VANSTROM

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	1770 ARLINGTON ROW, WESTLAKE, OH 44145-3561
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 4577 Warner Bay Rd was $11,318, up 0.5% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	Ellery Town
Unified School District	Bemus Point Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,318.00 (+0.53%)
2025	$11,258.00	$374,000 Land $168,000 Building $206,000	$603,200 Land $270,956 Building $332,244
2023		$374,000 (-) Land $168,000 Building $206,000	$536,600 (+12.78%) Land $241,040 Building $295,560
2022		$374,000 Land $168,000 Building $206,000	$475,800 Land $213,728 Building $262,072

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

FEMA has no flood map on file for 4577 Warner Bay Rd; 3 flood insurance policies are in force nearby.

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	3 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

Wildfire risk around 4577 Warner Bay 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	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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