521 Oak St, Youngstown, NY 14174 Property Records

Niagara County and Porter Town property record for 521 Oak St, Youngstown, NY 14174

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,274 sqft · built 1957
Lot Size	0.192 acres (8,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,000 (Apr 2019)
Tax Bill	$4,555 (2026)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`293401 59.07-2-7`

Property Details

APN / Parcel Number

Primary APN	`293401 59.07-2-7`
Alternative APN	`34010590070002007000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,274 sqft Living Area
1st Floor Area	624 sqft
2nd Floor Area	650 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1957
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	8,400 sqft (0.192 acres)
Lot Dimensions	120 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	330 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	521 OAK ST
City	YOUNGSTOWN
State	NY
Zip	14174-1227
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	109-1-9 P210-13
Legal Subdivision	MILE RESERVE
Legal Block	2
Legal Lot Number	7.000
Jurisdiction	NIAGARA NY
Township / Civil Division	PORTER
Census Block Group	1
Census Block	1010
Census Tract	24501

Owner

Source: Niagara County and Porter Town records, as of September 23, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	521 OAK ST, YOUNGSTOWN, NY 14174-1227
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Prior Sale	Mar 20, 2002 · Amount on Record
Deed Document Number	20195576
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NIAGARA NY
Recording Date	Apr 15, 2019
Property Address	521 OAK ST, YOUNGSTOWN, NY 14174-1227
Document Number	0000005576
Instrument Date	Apr 11, 2019
Instrument	5576
Transaction Type	Transfer
Record Updated	May 6, 2019
Title Company	WEBTITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$644.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	521 OAK ST YOUNGSTOWN NY 141741227, YOUNGSTOWN, NY 14174-1227

Mortgage

Document Number	5577
Date	Apr 15, 2019
Instrument	5577

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

Tax Assessment & Valuation

Source: Niagara County and Porter Town assessment roll, as of April 17, 2026

Property Jurisdictions

Type	Name
State	New York
County	Niagara County
County Subdivision	Porter Town
Municipality	Youngstown Village
Unified School District	Lewiston-Porter Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,555.00 (-9.86%) Disabled Person's exemption Veteran's exemption
2025	$5,053.00	$114,900 (+1.68%) Land $11,400 Building $103,500	$261,100 (+20.16%) Land $25,905 Building $235,195
2023		$113,000 Land $11,400 Building $101,600	$217,300 Land $21,922 Building $195,378

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 6, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1979)
Most Recent Claim	Apr 1979 · rainfall accumulation

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 95% of the US · lower than 94% of New York
Wildfire Likelihood	Under 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 208 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20