55 School St, Panama, NY 14767 Property Records

Chautauqua County and Harmony Town property record for 55 School St, Panama, NY 14767

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,454 sqft · built 1900
Lot Size	45.8 acres (1,995,048 sqft)
Owner	2 Individual Names on File
Last Sale	$125,500 (Mar 2021)
Tax Bill	$2,463 (2024)
Deeds & Mortgages	Mar 2021 Sale & Mortgage Sep 2020 Sale
APN	`064801 398.02-1-1.1`

Property Details

APN / Parcel Number

Primary APN	`064801 398.02-1-1.1`
Alternative APNs	`48013980020001001000` `48100`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,454 sqft Living Area
1st Floor Area	944 sqft
Upper Floors Area	374 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	1,995,048 sqft (45.8 acres)
Garage Type	Attached
Garage Area	864 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Shed	1 Shed
Shed Area	253 sqft
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	48100
Street Address	55 SCHOOL ST
City	PANAMA
State	NY
Zip	14767-9776
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	OLD APN: 064801 101-1-4
Legal Block	1
Legal Lot Number	1.001
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	HARMONY
Census Block Group	1
Census Block	1065
Census Tract	36802

Owner

Source: Chautauqua County and Harmony Town records, as of April 28, 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	2 Individual Names on File
Mailing Address	55 SCHOOL ST, PANAMA, NY 14767-9776
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Executor's Deed, Transfer · Stand-Alone First Mortgage FIRST FINANCIAL BANK
Sep 24, 2020	Executor's Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2021 · Amount on File
Deed Sale	Mar 16, 2021 · Amount on File
Prior Sale	Sep 24, 2020 · Amount on File
Deed Document Number	20212391
Prior Transfer Date	Sep 18, 2020
Prior Transfer Doc	DE2020005218
Record Updated	Oct 29, 2026

March 2021: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Mar 16, 2021
Property Address	55 SCHOOL ST, PANAMA, NY 14767-9776
Document Number	DE2021002391
Instrument Date	Mar 15, 2021
Instrument	DE2021002391
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2658 BUSTI STILLWATER RD, JAMESTOWN, NY 14701-9553

Mortgage

Document Number	MT2021001845
Date	Mar 16, 2021
Instrument	MT2021001845

Lender

Name	FIRST FINANCIAL BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

September 2020: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Sep 24, 2020
Property Address	55 SCHOOL ST, PANAMA, NY 14767-9776
Document Number	DE2020005218
Instrument Date	Sep 18, 2020
Instrument	DE2020005218
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	761 BAKER STREET EXT, JAMESTOWN, NY 14701-9459
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Chautauqua County and Harmony Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	Harmony Town
Municipality	Panama Village
Unified School District	Panama Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$73,000 (-) Land $45,700 Building $27,300	$121,700 (+19.2%) Land $76,188 Building $45,512
2024	$2,463.00
2023		$73,000 (-) Land $45,700 Building $27,300	$102,100 (+22.52%) Land $63,917 Building $38,183
2022		$73,000 Land $45,700 Building $27,300	$83,333 Land $52,169 Building $31,164

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

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 Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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