Chautauqua County and Harmony Town property record for 6 Cross Rd, Panama, NY 14767
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,407 sqft · built 1940 |
| Lot Size | 42.6 acres (1,855,656 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Aug 2024) |
| Tax Bill | $3,691 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit |
| APN | 064889 450.00-1-35.1 |
| Primary APN | 064889 450.00-1-35.1 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,407 sqft Living Area |
| 1st Floor Area | 1,586 sqft |
| 2nd Floor Area | 584 sqft |
| Upper Floors Area | 237 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 1,855,656 sqft (42.6 acres) |
| Garage Type | Detached |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 426 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 48200 |
|---|---|
| Street Address | 6 CROSS RD |
| City | PANAMA |
| State | NY |
| Zip | 14767-9773 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Block | 1 |
| Legal Lot Number | 35.001 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | HARMONY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 36802 |
6 Cross Rd is owned by two individuals who bought it in August 2024.
Source: Chautauqua County and Harmony Town records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7430 CLYMER CENTER RD, PANAMA, NY 14767-9631 |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 16, 2024 · Amount on File |
| Deed Sale | Aug 16, 2024 · Amount on File |
| Prior Sale | Dec 23, 2022 · Amount on File |
| Deed Document Number | 20245144 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | May 21, 2026 |
| Property Address | 6 CROSS RD, PANAMA, NY 14767-9773 |
| Document Number | 0000002243 |
| Instrument Date | May 19, 2026 |
| Instrument | 20262243 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CHAUTAUQUA ABSTRACT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 6 CROSS RD, PANAMA, NY 14767-9773 |
| Document Number | 0000002243, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 20262243 |
| Name | FARM CREDIT EAST ACA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 6 Cross Rd was $3,691, up 2.6% from the year before.
Source: Chautauqua County and Harmony Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| County Subdivision | Harmony Town |
| Unified School District | Panama Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,691.00 (+2.56%) | ||
| 2025 | $3,599.00 | $113,200 Land $45,700 Building $67,500 | $188,700 Land $76,180 Building $112,520 |
| 2023 | $113,200 (-21.06%) Land $45,700 Building $67,500 | $158,300 (-3.3%) Land $63,907 Building $94,393 | |
| 2022 | Homeowner's exemption | $143,400 Land $75,900 Building $67,500 | $163,699 Land $86,644 Building $77,055 |
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.
FEMA has no flood map on file for 6 Cross Rd; there have been 2 flood claims nearby since 2014.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Claims | 2 (2014–2019) |
| Most Recent Claim | Jan 2019 · other causes |
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 6 Cross Rd is low, with a 0.02% 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 | 0.02% 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, as of December 31, 2025
5G (outdoors only) and 4G LTE
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