Niagara County and Porter Town property record for 538 Oak St, Youngstown, NY 14174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,384 sqft · built 1955 |
| Lot Size | 0.275 acres (12,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Dec 2012) |
| Tax Bill | $4,362 (2026) |
| Deeds & Mortgages | May 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 293401 59.07-1-24 |
| Primary APN | 293401 59.07-1-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,384 sqft Living Area |
| 1st Floor Area | 1,384 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 12,000 sqft (0.275 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Detached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 538 OAK ST |
|---|---|
| City | YOUNGSTOWN |
| State | NY |
| Zip | 14174-1228 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 108-6-20 191 |
| Legal Block | 1 |
| Legal Lot Number | 24.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | PORTER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 24501 |
538 Oak St is owned by an individual who bought it in December 2012.
Source: Niagara County and Porter Town records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 336 HOWARD DR, YOUNGSTOWN, NY 14174-1411 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2012 · Amount on File |
| Deed Sale | Dec 10, 2012 · Amount on File |
| Prior Sale | Aug 15, 2008 · Amount on File |
| Deed Document Number | 201226114 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 538 OAK ST, YOUNGSTOWN, NY 14174-1228 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000007037 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 2020-07037 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Address | WARREN, PA 16365 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 1, 2045 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 538 Oak St was $4,362, up 3.3% from the year before.
Source: Niagara County and Porter Town assessment roll, as of April 17, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,362.00 (+3.32%) | ||
| 2025 | $4,222.00 | $92,400 Land $13,400 Building $79,000 | $210,000 Land $30,455 Building $179,545 |
| 2023 | $92,400 Land $13,400 Building $79,000 | $177,700 Land $25,770 Building $151,930 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 538 Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1979.
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 risk around 538 Oak St is low, with less than 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | YOUNGSTOWN (V) serves 2,021 people · EPA ID NY3116262 |
|---|---|
| Water Source | Purchased surface water from NIAGARA COUNTY WATER DISTRICT |
| Last State Inspection | Dec 2023 |
| Lead | 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
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 |
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