524 Central Ave, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 524 Central Ave, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,636 sqft · built 1892
Lot Size	0.238 acres (10,380 sqft)
Owner	Company Name on Record
Last Sale	$34,500 (Aug 2003)
Tax Bill	$2,995 (2026)
Deeds & Mortgages	Apr 2023 Sale May 2018 Mortgage + 1 more
APN	`060300 79.18-4-13`

Property Details

APN / Parcel Number

Primary APN	`060300 79.18-4-13`
Alternative APNs	`03000790180004013000` `030017610`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,636 sqft Living Area
1st Floor Area	1,460 sqft
2nd Floor Area	914 sqft
Upper Floors Area	262 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	10,380 sqft (0.238 acres)
Lot Dimensions	173 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	924 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	030017610
Street Address	524 CENTRAL AVE
City	DUNKIRK
State	NY
Zip	14048-2515
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CBD
Legal Description	60 X 173 RES; OLD APN: 060300 44-2-12
Legal Block	4
Legal Lot Number	13.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	1
Census Block	1019
Census Tract	35700

Owner

Source: Chautauqua County and Dunkirk City 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	Company Name on Record
Mailing Address	6270 ROUTE 5, PORTLAND, NY 14769-9632
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2023	Warranty Deed, Transfer
May 3, 2018	Deed of Trust, Mortgage COMMUNITY BANK NA
Jun 5, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance LAKE SHORE SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2003 · Amount on Record
Deed Sale	Aug 1, 2003 · Amount on Record
Prior Sale	Jun 4, 2003 · Amount on Record
Deed Book / Page	2525 / 282
Prior Transfer Date	Mar 5, 2003
Prior Transfer Doc	2520000511
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Apr 27, 2023
Property Address	524 CENTRAL AVE, DUNKIRK, NY 14048-2515
Document Number	DE2023003043
Instrument Date	Apr 26, 2023
Instrument	DE2023003043
Transaction Type	Transfer
Record Updated	May 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6270 ROUTE 5, PORTLAND, NY 14769-9632

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	524 CENTRAL AVE, DUNKIRK, NY 14048-2515
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2018002229
Date	May 3, 2018
Instrument	MT2018002229

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	236 Months
Due	Jan 1, 2038

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	524 CENTRAL AVE, DUNKIRK, NY 14048-2515
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2020002444
Date	Jun 5, 2020
Instrument	MT2020002444

Lender

Name	LAKE SHORE SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

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	$2,995.00 (+3.35%)
2025	$2,898.00	$72,000 (-) Land $3,800 Building $68,200	$163,636 (+25%) Land $8,636 Building $155,000
2023		$72,000 (-) Land $3,800 Building $68,200	$130,909 (+14.55%) Land $6,909 Building $124,000
2022		$72,000 Land $3,800 Building $68,200	$114,286 Land $6,032 Building $108,254

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

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

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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