Niagara County and Porter Town property record for 546 E Oak Ter, Youngstown, NY 14174
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,808 sqft · built 1976 |
| Lot Size | 0.253 acres (11,040 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,990 (2026) |
| Deeds & Mortgages | Apr 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 293401 59.07-2-52 |
| Primary APN | 293401 59.07-2-52 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,808 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| 2nd Floor Area | 656 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 11,040 sqft (0.253 acres) |
| Lot Dimensions | 120 ft deep x 92 ft wide |
| Garage Type | Attached |
| Garage Area | 280 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 368 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 546 E OAK TER |
|---|---|
| City | YOUNGSTOWN |
| State | NY |
| Zip | 14174-1210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 |
| Legal Description | 109-2-9 P216-7 8 9 |
| Legal Block | 2 |
| Legal Lot Number | 52.000 |
| Jurisdiction | NIAGARA NY |
| Township / Civil Division | PORTER |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 24501 |
546 E Oak Ter is owned and occupied by an individual.
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 | 546 E OAK TER, YOUNGSTOWN, NY 14174-1210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NIAGARA NY |
| Property Address | 546 E OAK TER, YOUNGSTOWN, NY 14174-1210 |
| Document Number | 0000007820 |
| Instrument Date | Apr 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 546 E OAK TER YOUNGSTOWN NY 141741210, YOUNGSTOWN, NY 14174-1210 |
| Document Number | 0000007820 |
|---|---|
| Date | May 11, 2018 |
| Instrument | 7820 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 546 E Oak Ter was $5,990 with a homeowner's exemption, 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 | $5,990.00 (+3.31%) Homeowner's exemption | ||
| 2025 | $5,798.00 | $126,900 Land $13,000 Building $113,900 | $288,400 Land $29,545 Building $258,855 |
| 2023 | $126,900 Land $13,000 Building $113,900 | $244,000 Land $24,996 Building $219,004 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 546 E Oak Ter 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 546 E Oak Ter is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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: 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 |
5G (outdoors only) and 4G LTE
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