523 Main St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 523 Main St, Dunkirk, NY 14048

Property Summary

Property Type	Duplex
Details	5 bd · 2.5 ba · 2,108 sqft · built 1902
Lot Size	0.068 acres (3,000 sqft)
Owner	Individual Name on File
Last Sale	$90,000 (Sep 2023)
Tax Bill	$1,976 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2021 Mortgage + 1 more
APN	`060300 79.19-2-40`

Property Details

APN / Parcel Number

Primary APN	`060300 79.19-2-40`
Alternative APNs	`03000790190002040000` `030107400`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,108 sqft Total Area
1st Floor Area	1,051 sqft
2nd Floor Area	1,057 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,000 sqft (0.068 acres)
Lot Dimensions	100 ft deep x 30 ft wide
Porch	Porch
Porch Area	150 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030107400
Street Address	523 MAIN ST
City	DUNKIRK
State	NY
Zip	14048-2624
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R3
Legal Description	30 X 100 RES; OLD APN: 060300 43-5-10
Legal Block	2
Legal Lot Number	40.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	1
Census Block	1014
Census Tract	35700

Owner

523 Main St, a duplex, is owned and occupied by an individual who bought it in September 2023.

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

Owner of Record	Individual Name on File
Mailing Address	523 MAIN ST, DUNKIRK, NY 14048-2624
Occupancy	Owner Occupied
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
Sep 26, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIVE STAR BANK
Dec 23, 2021	Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT
Oct 12, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2023 · Amount on File
Deed Sale	Sep 26, 2023 · Amount on File
Prior Sale	Sep 5, 2023 · Amount on File
Deed Document Number	20236085
Prior Transfer Date	Aug 24, 2023
Prior Transfer Doc	0000005553
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Sep 26, 2023
Property Address	523 MAIN ST, DUNKIRK, NY 14048-2624
Document Number	DE2023006085
Instrument Date	Sep 25, 2023
Instrument	DE2023006085
Transaction Type	Transfer
Record Updated	Oct 17, 2023

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
Address	15 ORCHARD ST, FREDONIA, NY 14063-1919

Mortgage

Document Number	MT2023003672
Date	Sep 26, 2023
Instrument	MT2023003672

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Mortgage

Document Number	MT2023003673
Date	Sep 26, 2023
Instrument	MT2023003673

Lender

Name	FIVE STAR BANK
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	523 MAIN ST, DUNKIRK, NY 14048-2624
Transaction Type	Mortgage
Record Updated	Jan 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2021005670
Date	Dec 23, 2021
Instrument	MT2021005670

Lender

Name	SECRETARY HOUSING URBAN DEVELOPMENT
Type	Government Agency

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	121 Months
Due	Jan 1, 2032

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	523 MAIN ST, DUNKIRK, NY 14048-2624
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2017004201
Date	Oct 12, 2017
Instrument	MT2017004201

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 523 Main St was $1,976, up 3.3% from the year before.

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	$1,976.00 (+3.35%)
2025	$1,912.00	$47,500 Land $1,500 Building $46,000	$107,955 Land $3,409 Building $104,546
2023		$47,500 (-) Land $1,500 Building $46,000	$86,364 (+14.55%) Land $2,727 Building $83,637
2022		$47,500 Land $1,500 Building $46,000	$75,397 Land $2,381 Building $73,016

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

Flood

FEMA has no flood map on file for 523 Main St.

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

The area around 523 Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 670 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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