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528 Oak St, Youngstown, NY 14174 Property Records

Niagara County and Porter Town property record for 528 Oak St, Youngstown, NY 14174

Property Summary

Property TypeSingle Family Home
Details3 bd · 1.5 ba · 1,624 sqft · built 2001
Lot Size0.344 acres (15,000 sqft)
OwnerIndividual Name on Record
Last Sale$130,750 (May 2002)
Tax Bill$6,340 (2026)
Deeds & MortgagesAug 2023 Line of Credit
Jun 2021 Line of Credit
Flood ZoneZone X (minimal risk)
APN293401 59.07-1-25

Property Details

APN / Parcel Number

Primary APN293401 59.07-1-25
Alternative APN
  • 34010590070001025000

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,624 sqft Living Area
1st Floor Area1,624 sqft

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area15,000 sqft (0.344 acres)
Lot Dimensions150 ft deep x 100 ft wide
Garage TypeAttached
Garage Area324 sqft
Parking Spaces1 Parking Space

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address528 OAK ST
CityYOUNGSTOWN
StateNY
Zip14174-1228
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal SubdivisionMILE RESERVE
Legal Block1
Legal Lot Number25.000
JurisdictionNIAGARA NY
Township / Civil DivisionPORTER
Census Block Group1
Census Block1013
Census Tract24501

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 RecordIndividual Name on Record
Mailing Address528 OAK ST, YOUNGSTOWN, NY 14174-1228
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 18, 2023Deed of Trust, Mortgage · Line of Credit
NIAGARAS CHOICE CU
Jun 17, 2021Deed of Trust, Mortgage · Line of Credit
CORNERSTONE COMMUNITY FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 31, 2002 · Amount on Record
Deed SaleMay 31, 2002 · Amount on Record
Prior SaleJul 13, 2001 · Amount on Record
Deed Book / Page3198 / 932
Last Transfer DateSep 2, 2011
Transfer Doc0000015601
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNIAGARA NY
Property Address528 OAK ST, YOUNGSTOWN, NY 14174-1228
Transaction TypeMortgage
Record UpdatedSep 1, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 OAK ST, YOUNGSTOWN, NY 14174-1228

Mortgage

Document Number0000002466
DateAug 18, 2023
Instrument2023-12466
Lender
NameNIAGARAS CHOICE CU
TypeCredit Union
AddressNIAGARA FALLS, NY 14303
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueAug 17, 2038
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionNIAGARA NY
Property Address528 OAK ST, YOUNGSTOWN, NY 14174-1228
Transaction TypeMortgage
Record UpdatedSep 3, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address528 OAK ST, YOUNGSTOWN, NY 14174-1228

Mortgage

Document Number0000002464
DateJun 17, 2021
Instrument2021-12464
Lender
NameCORNERSTONE COMMUNITY FCU
TypeCredit Union
AddressLOCKPORT, NY 14095
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueJun 16, 2046
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNew York
CountyNiagara County
County SubdivisionPorter Town
MunicipalityYoungstown Village
Unified School DistrictLewiston-Porter Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,340.00 (+3.32%) Homeowner's exemption
2025$6,136.00$134,300 (-) Land $14,900 Building $119,400$305,200 (+18.16%) Land $33,861 Building $271,339
2023$134,300 Land $14,900 Building $119,400$258,300 Land $28,657 Building $229,643

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims1 (1979)
Most Recent ClaimApr 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 RiskLow
lower than 95% of the US · lower than 94% of New York
Wildfire LikelihoodUnder 0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemYOUNGSTOWN (V)
serves 2,021 people · EPA ID NY3116262
Water SourcePurchased surface water from NIAGARA COUNTY WATER DISTRICT
Last State InspectionDec 2023
Lead1 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 208 locations within half a mile, as of December 31, 2025

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

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