Seneca County and Seneca Falls Town property record for 109 State St, Seneca Falls, NY 13148
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1.5 ba · 1,877 sqft · built 1871 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $211,000 (Aug 2025) |
| Tax Bill | $5,078 (2026) |
| Deeds & Mortgages | Aug 2025 Sale & Mortgage Dec 2023 Sale & Refinance + 6 more |
| APN | 453289 06-3-48 |
| Primary APN | 453289 06-3-48 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,877 sqft Living Area |
| 1st Floor Area | 1,131 sqft |
| 2nd Floor Area | 559 sqft |
| Upper Floors Area | 187 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1871 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 140 ft deep x 56 ft wide |
| Garage Type | Attached |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 STATE ST |
|---|---|
| City | SENECA FALLS |
| State | NY |
| Zip | 13148-1256 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Block | 3 |
| Legal Lot Number | 48.000 |
| Jurisdiction | SENECA NY |
| Township / Civil Division | SENECA FALLS |
| Census Block Group | 2 |
| Census Block | 2023 |
| Census Tract | 950200 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Seneca Falls Village Historic District listed 1991 · 198 contributing resources · NRIS 91000342 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
109 State St is owned and occupied by an individual who bought it in August 2025.
Source: Seneca County and Seneca Falls Town records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2025 | Warranty Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 7, 2023 | Warranty Deed, Transfer · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC |
| Nov 2, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Aug 31, 2017 | Deed of Trust, Mortgage GENERATIONS BANK |
| Sep 22, 2020 | Warranty Deed, Transfer |
| Jul 31, 2020 | Warranty Deed, Transfer |
| Aug 31, 2017 | Deed, Transfer GENERATIONS BANK |
| Oct 19, 2012 | Deed, Transfer ELMIRA SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2025 · Amount on File |
| Deed Sale | Aug 19, 2025 · Amount on File |
| Prior Sale | Dec 7, 2023 · Amount on File |
| Deed Book / Page | 1126 / 155 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Aug 19, 2025 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 001126/155 |
| Book / Page | 1126 / 155 |
| Instrument Date | Aug 18, 2025 |
| Instrument | 71356 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|
| Document Number | 0000196544 |
|---|---|
| Date | Aug 19, 2025 |
| Instrument | 1965/44 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Dec 7, 2023 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 001089/189 |
| Book / Page | 1089 / 189 |
| Instrument Date | Nov 13, 2023 |
| Instrument | 64902 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2026 |
| Amount | Amount on Record |
|---|---|
| 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 | 1402 S IRVING AVE, SCRANTON, PA 18505-2452 |
| Document Number | 0001909223 |
|---|---|
| Date | Dec 7, 2023 |
| Instrument | 1909/223 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Nov 2, 2023 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 001087/240 |
| Book / Page | 1087 / 240 |
| Instrument Date | Nov 1, 2023 |
| Instrument | 64558 |
| Transaction Type | Transfer |
| Record Updated | Nov 28, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 111 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SENECA NY |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000001640/0000000190 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 0000001640/0000000190 |
| Instrument | 170-00036996 |
| Name | GENERATIONS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 221 Months |
| Due | Jan 1, 2036 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Sep 22, 2020 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 0001018/30 |
| Book / Page | 1018 / 30 |
| Instrument Date | Aug 27, 2020 |
| Instrument | 50311 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Jul 31, 2020 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 001014/302 |
| Book / Page | 1014 / 302 |
| Instrument Date | Jul 9, 2020 |
| Instrument | 20200-00049537 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Aug 31, 2017 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 0000000956/0000000192 |
| Book / Page | 0000000956 / 0000000192 |
| Instrument Date | Aug 31, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | CHRISTI L. MILLER |
| Amount | Amount on Record |
|---|---|
| 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 | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 0000001640/0000000190 |
|---|---|
| Date | Aug 31, 2017 |
| Book Page | 0000001640/0000000190 |
| Instrument | 170-00036996 |
| Name | GENERATIONS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 221 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed |
|---|---|
| Jurisdiction | SENECA NY |
| Recording Date | Oct 19, 2012 |
| Property Address | 109 STATE ST, SENECA FALLS, NY 13148-1256 |
| Document Number | 0000000861/0000000147 |
| Book / Page | 0000000861 / 0000000147 |
| Instrument Date | Oct 19, 2012 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | ANTHONY PAGANO |
| Amount | Amount on Record |
|---|---|
| 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 |
|---|
| Document Number | 0000001418/0000000102 |
|---|---|
| Date | Oct 19, 2012 |
| Book Page | 0000001418/0000000102 |
| Instrument | 0000013871 |
| Name | ELMIRA SAVINGS BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 351 Months |
| Due | Jan 1, 2042 |
The 2026 property tax bill for 109 State St was $5,078, up 6.7% from the year before.
Source: Seneca County and Seneca Falls Town assessment roll, as of May 14, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Seneca County |
| County Subdivision | Seneca Falls Town |
| Unified School District | Seneca Falls Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,078.00 (+6.75%) | ||
| 2025 | $4,757.00 (+10.27%) | $166,000 (-) Land $14,200 Building $151,800 | $182,418 (+9.89%) Land $15,604 Building $166,814 |
| 2024 | $4,314.00 | $166,000 (-) Land $14,200 Building $151,800 | $166,000 (-) Land $14,200 Building $151,800 |
| 2023 | $166,000 Land $14,200 Building $151,800 | $166,000 Land $14,200 Building $151,800 | |
| 2019 | $1,733.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 109 State St; 3 flood insurance policies are in force nearby.
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 | 3 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 risk around 109 State St is low, with 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 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SENECA FALLS serves 9,400 people · EPA ID NY4901198 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 480 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| GoNetspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CBN Fixed Wireless · not low latency | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
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