Chautauqua County and Dunkirk City property record for 59 Otter St, Dunkirk, NY 14048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,898 sqft · built 1960 |
| Lot Size | 1.14 acres (49,862 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Dec 2023) |
| Tax Bill | $3,848 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Jul 2021 Refinance |
| APN | 060300 62.04-1-27 |
| Primary APN | 060300 62.04-1-27 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,898 sqft Living Area |
| 1st Floor Area | 1,137 sqft |
| Upper Floors Area | 761 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 49,862 sqft (1.14 acres) |
| Lot Dimensions | 233 ft deep x 214 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 88 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 030134550 |
|---|---|
| Street Address | 59 OTTER ST |
| City | DUNKIRK |
| State | NY |
| Zip | 14048-1240 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 214 X 116.5 RES; OLD APN: 060300 25-5-5 |
| Legal Block | 1 |
| Legal Lot Number | 27.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | DUNKIRK |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 35500 |
Source: Chautauqua County and Dunkirk City records, as of April 28, 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 | 59 OTTER ST, DUNKIRK, NY 14048-1240 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 4, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage ROCKET MORTGAGE |
| Jul 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance LAKE SHORE SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2023 · Amount on Record |
| Deed Sale | Dec 4, 2023 · Amount on Record |
| Prior Sale | May 26, 2005 · Amount on Record |
| Deed Document Number | 20237445 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | Dec 4, 2023 |
| Property Address | 59 OTTER ST, DUNKIRK, NY 14048-1240 |
| Document Number | DE2023007445 |
| Instrument Date | Dec 4, 2023 |
| Instrument | DE2023007445 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 79 SAXTON ST APT 2, 2, BOSTON, MA 02125-4572 |
| Document Number | MT2023004375 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | MT2023004375 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 59 OTTER ST, DUNKIRK, NY 14048-1240 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | MT2021003252 |
|---|---|
| Date | Jul 7, 2021 |
| Instrument | MT2021003252 |
| Name | LAKE SHORE SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Chautauqua County and Dunkirk City assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| Municipality | Dunkirk City |
| Unified School District | Dunkirk City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,848.00 | $95,600 (-) Land $25,600 Building $70,000 | $217,273 (+25%) Land $58,182 Building $159,091 |
| 2023 | $95,600 (-) Land $25,600 Building $70,000 | $173,818 (+14.55%) Land $46,545 Building $127,273 | |
| 2022 | Homeowner's exemption | $95,600 Land $25,600 Building $70,000 | $151,746 Land $40,635 Building $111,111 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 97 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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