Chautauqua County and Ripley Town property record for 97 S State St, Ripley, NY 14775
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,550 sqft · built 1930 |
| Lot Size | 0.212 acres (9,240 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $138,000 (May 2026) |
| Tax Bill | $2,401 (2026) |
| Deeds & Mortgages | Dec 2019 Mortgage May 2026 Mortgage + 2 more |
| APN | 066200 241.17-1-9 |
| Primary APN | 066200 241.17-1-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,550 sqft Living Area |
| 1st Floor Area | 775 sqft |
| 2nd Floor Area | 775 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,240 sqft (0.212 acres) |
| Lot Dimensions | 140 ft deep x 66 ft wide |
| Pool Type | Above-Ground Pool |
|---|---|
| Pool Area | 18 sqft |
| Porch | Porch |
| Porch Area | 270 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 62100 |
|---|---|
| Street Address | 97 S STATE ST |
| City | RIPLEY |
| State | NY |
| Zip | 14775-9703 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | OLD APN: 066200 35-1-16 |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | CHAUTAUQUA NY |
| Township / Civil Division | RIPLEY |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 36600 |
Source: Chautauqua County and Ripley Town records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2019 | Deed of Trust, Mortgage · VA Mortgage USAA FSB |
| May 12, 2026 | Deed of Trust, Mortgage · FHA Mortgage STEWART TITLE |
| May 12, 2026 | Warranty Deed, Transfer STEWART TITLE |
| May 29, 2014 | Deed, Transfer COMMUNITY BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Prior Sale | May 29, 2014 · Amount on Record |
| Deed Document Number | 20263383 |
| Prior Transfer Date | Sep 17, 2002 |
| Prior Transfer Doc | 2502000561 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Property Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Transaction Type | Mortgage |
| Record Updated | Jun 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | MT2019004505 |
|---|---|
| Date | Dec 11, 2019 |
| Instrument | MT2019004505 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | May 12, 2026 |
| Property Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Number | 0000002142 |
| Instrument Date | May 12, 2026 |
| Instrument | 20262142 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | STEWART TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Number | 0000002142, |
|---|---|
| Date | May 12, 2026 |
| Instrument | 20262142 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | May 12, 2026 |
| Property Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Number | 0000003383 |
| Instrument Date | May 1, 2026 |
| Instrument | 2026.3383 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2026 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $55,752.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHAUTAUQUA NY |
| Recording Date | May 29, 2014 |
| Property Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Number | 0000002014/0000002957 |
| Book / Page | 0000002014 / 0000002957 |
| Instrument Date | May 23, 2014 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | STEPHEN P ZANGHI |
| 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 |
|---|---|
| Address | 97 S STATE ST, RIPLEY, NY 14775-9703 |
| Document Number | 0000002407 |
|---|---|
| Date | May 29, 2014 |
| Instrument | 0000002407 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 236 Months |
| Due | Jan 1, 2034 |
Source: Chautauqua County and Ripley Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Chautauqua County |
| County Subdivision | Ripley Town |
| Unified School District | Ripley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,401.00 (+0.63%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $2,386.00 | $84,000 (-23.64%) Land $6,400 Building $77,600 | $91,300 (-17%) Land $6,956 Building $84,344 |
| 2023 | $110,000 (+77.42%) Land $6,400 Building $103,600 | $110,000 (+61.45%) Land $6,400 Building $103,600 | |
| 2022 | $62,000 Land $6,300 Building $55,700 | $68,132 Land $6,923 Building $61,209 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | RIPLEY WATER DISTRICT serves 1,600 people · EPA ID NY0600372 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2024 |
| Lead | 7 ppb (2024) action level 15 ppb |
| Copper | 2.09 mg/L (2020) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Fidium Fiber Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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