965 Henry St, Irving, NY 14081 Property Records

Chautauqua County and Hanover Town property record for 965 Henry St, Irving, NY 14081

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1951
Lot Size	0.091 acres (4,000 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Jun 2021)
Tax Bill	$3,408 (2026)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2021 Refinance + 1 more
APN	`064689 15.20-2-35`

Property Details

APN / Parcel Number

Primary APN	`064689 15.20-2-35`
Alternative APN	`46890150200002035000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	100 ft deep x 40 ft wide
Porch	Slab
Porch Area	306 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	965 HENRY ST
City	IRVING
State	NY
Zip	14081-9636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	OLD APN: 064689 23-15-78
Legal Block	2
Legal Lot Number	35.000
Jurisdiction	CHAUTAUQUA NY
Township / Civil Division	HANOVER
Census Block Group	4
Census Block	4013
Census Tract	35100

Owner

965 Henry St is owned by two individuals who bought it in June 2021.

Source: Chautauqua County and Hanover Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4717 EDGEWOOD TER, EDEN, NY 14057-9756
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance WESTERN NEW YORK FCU
Jun 23, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 23, 2021 · Amount on File
Deed Sale	Jun 23, 2021 · Amount on File
Prior Sale	Nov 1, 2013 · Amount on File
Deed Document Number	20214669
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	965 HENRY ST, IRVING, NY 14081-9636
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2026001276
Date	Feb 6, 2026
Instrument	MT2026001276

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHAUTAUQUA NY
Property Address	965 HENRY ST, IRVING, NY 14081-9636
Transaction Type	Mortgage
Record Updated	Nov 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	MT2021004917
Date	Oct 27, 2021
Instrument	MT2021004917

Lender

Name	WESTERN NEW YORK FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHAUTAUQUA NY
Recording Date	Jun 23, 2021
Property Address	965 HENRY ST, IRVING, NY 14081-9636
Document Number	DE2021004669
Instrument Date	Jun 11, 2021
Instrument	DE2021004669
Transaction Type	Transfer
Record Updated	Aug 18, 2021

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	4717 EDGEWOOD TER, EDEN, NY 14057-9756

Tax Assessment & Valuation

The 2026 property tax bill for 965 Henry St was $3,408, up 3.3% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Chautauqua County
County Subdivision	Hanover Town
Unified School District	Silver Creek Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,408.00 (+3.34%)
2025	$3,298.00	$81,000 Land $12,900 Building $68,100	$168,750 Land $26,875 Building $141,875
2023		$81,000 (-) Land $12,900 Building $68,100	$139,655 (+18.97%) Land $22,241 Building $117,414
2022		$81,000 Land $12,900 Building $68,100	$117,391 Land $18,696 Building $98,695

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA has no flood map on file for 965 Henry St; there have been 1,220 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 100 policies
Nearby Flood Policies	100 in force
Nearby Flood Claims	1,220 (1978–2021)
Claims Outside the SFHA	57 of 1,220
Most Recent Claim	Dec 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding, Aug 2009 · 12 claims

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

Wildfire risk around 965 Henry St is low, with less than 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 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	HANOVER WD #1 5&20 SLVR CRK TO CATT CRK serves 2,173 people · EPA ID NY0600393
Water Source	Purchased surface water from ECWA DIRECT
Last State Inspection	Mar 2023
Lead	4 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 419 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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