539 Main St, Dunkirk, NY 14048 Property Records

Chautauqua County and Dunkirk City property record for 539 Main St, Dunkirk, NY 14048

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,934 sqft · built 1902
Lot Size	0.124 acres (5,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$38,000 (Nov 1995)
Tax Bill	$1,581 (2026)
Deeds & Mortgages	Oct 2020 Refinance
APN	`060300 79.19-2-45`

Property Details

APN / Parcel Number

Primary APN	`060300 79.19-2-45`
Alternative APNs	`03000790190002045000` `030107550`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,934 sqft Living Area
1st Floor Area	963 sqft
2nd Floor Area	971 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,400 sqft (0.124 acres)
Lot Dimensions	120 ft deep x 45 ft wide
Porch	Slab
Porch Area	147 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	030107550
Street Address	539 MAIN ST
City	DUNKIRK
State	NY
Zip	14048-2624
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	45 X 120 RES; OLD APN: 060300 43-5-15
Legal Block	2
Legal Lot Number	45.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	DUNKIRK
Census Block Group	1
Census Block	1014
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	2 Individual Names on Record
Mailing Address	539 MAIN ST, DUNKIRK, NY 14048-2624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 1995 · Amount on Record
Deed Sale	Nov 28, 1995 · Amount on Record
Prior Sale	Nov 21, 1995 · Amount on Record
Deed Book / Page	2340 / 566
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	539 MAIN ST, DUNKIRK, NY 14048-2624
Transaction Type	Mortgage
Record Updated	Nov 24, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2020003881
Date	Oct 16, 2020
Instrument	MT2020003881

Lender

Name	NEW YORK AFFORDABLE HOUSING CORP

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

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	$1,581.00 (+3.33%) Homeowner's exemption
2025	$1,530.00	$38,000 (-) Land $2,500 Building $35,500	$86,364 (+25%) Land $5,682 Building $80,682
2023		$38,000 (-) Land $2,500 Building $35,500	$69,091 (+14.55%) Land $4,545 Building $64,546
2022	Homeowner's exemption	$38,000 Land $2,500 Building $35,500	$60,317 Land $3,968 Building $56,349

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	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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