Madison County and Oneida City property record for 109 Stone St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 2.5 ba · 2,824 sqft · built 1890 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,044 (2026) |
| Deeds & Mortgages | Nov 2018 Line of Credit |
| APN | 251201 38.24-2-5 |
| Primary APN | 251201 38.24-2-5 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,824 sqft Living Area |
| 1st Floor Area | 1,412 sqft |
| 2nd Floor Area | 1,412 sqft |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 6,098 sqft (0.14 acres) |
| Lot Dimensions | 96 ft deep x 64 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 324 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 109 STONE ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-2135 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 30102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Main-Broad-Grove Streets Historic District listed 1983 · 194 contributing resources · NRIS 83001705 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
109 Stone St is owned and occupied by two individuals who acquired it in June 2007.
Source: Madison County and Oneida City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 STONE ST, ONEIDA, NY 13421-2135 |
| Occupancy | Owner Occupied |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 13, 2007 |
| Transfer Doc | 1410000032 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 109 STONE ST, ONEIDA, NY 13421-2135 |
| Document Number | 0000006647 |
| Instrument Date | Nov 2, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2018 |
| Title Company | EQUITY NATIONAL TITLE LLC, EQUITY NAT'L TITLE |
| Name | Verified Name |
|---|---|
| Address | 109 STONE ST ONEIDA NY 134212135, ONEIDA, NY 13421-2135 |
| Document Number | 0000006647 |
|---|---|
| Date | Dec 3, 2018 |
| Instrument | 6647 |
| Name | CITIZENS BK NA |
|---|---|
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Dec 2, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 109 Stone St was $4,044 with a homeowner's exemption, down 1.5% from the year before.
Source: Madison County and Oneida City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Madison County |
| Municipality | Oneida City |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,044.00 (-1.46%) Homeowner's exemption | ||
| 2025 | $4,104.00 | $82,500 Land $9,500 Building $73,000 | $116,197 Land $13,380 Building $102,817 |
| 2023 | $82,500 (-) Land $9,500 Building $73,000 | $108,553 (+9.21%) Land $12,500 Building $96,053 | |
| 2022 | $1,375.00 Homeowner's exemption | $82,500 Land $9,500 Building $73,000 | $99,398 Land $11,446 Building $87,952 |
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 Stone St.
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.
Wildfire risk around 109 Stone 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 93% of the US · lower than 89% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA CITY serves 11,393 people · EPA ID NY2602381 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 521 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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