124 E Division St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 124 E Division St, Watertown, NY 13601

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 1,215 sqft · built 1947
Lot Size	0.215 acres (9,400 sqft)
Owner	Individual Name on File
Last Sale	$1,045,500 (Jul 2023)
Tax Bill	$1,835 (2026)
Deeds & Mortgages	Jul 2023 Refinance Mar 2023 Refinance + 1 more
APN	`221800 3-12-208.000`

Property Details

APN / Parcel Number

Primary APN	`221800 3-12-208.000`
Alternative APNs	`180000300000122080000000` `04029810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,215 sqft Total Area
1st Floor Area	810 sqft
Upper Floors Area	405 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	9,400 sqft (0.215 acres)
Lot Dimensions	188 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	300 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	04029810
Street Address	124 E DIVISION ST
City	WATERTOWN
State	NY
Zip	13601-1671
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Legal Description	50X188 312208
Legal Block	12
Legal Lot Number	208.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	3
Census Block	3008
Census Tract	61300

Owner

124 E Division St, a duplex, is owned and occupied by an individual who bought it in July 2023.

Source: Jefferson County and Watertown City records, as of September 23, 2026

Owner of Record	Individual Name on File
Mailing Address	124 E DIVISION ST, WATERTOWN, NY 13601-1671
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Warranty Deed, Transfer · Stand-Alone Refinance WATERTOWN SAVINGS BANK
Mar 6, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN SAVINGS BANK
Jan 3, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2023 · Amount on File
Deed Sale	Jul 19, 2023 · Amount on File
Prior Sale	Jan 3, 2023 · Amount on File
Deed Document Number	202310696
Prior Transfer Date	Jul 14, 2023
Prior Transfer Doc	0000010696
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jul 19, 2023
Property Address	124 E DIVISION ST, WATERTOWN, NY 13601-1671
Document Number	0000010696
Instrument Date	Jul 14, 2023
Instrument	20230-00010696
Transaction Type	Transfer
Record Updated	Aug 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 E DIVISION ST APT 2, 2, WATERTOWN, NY 13601-1570

Mortgage

Document Number	0000010697
Date	Jul 19, 2023
Instrument	20230-00010697

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2038

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	124 E DIVISION ST, WATERTOWN, NY 13601-1671
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003172
Date	Mar 6, 2023
Instrument	20230-00003172

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	61 Months
Due	Apr 1, 2028

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jan 3, 2023
Property Address	124 E DIVISION ST, WATERTOWN, NY 13601-1671
Document Number	0000000019
Instrument Date	Dec 28, 2022
Instrument	20230-00000019
Transaction Type	Transfer
Record Updated	Jan 24, 2023

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	12237 COUNTY ROUTE 125, CHAUMONT, NY 13622-3153

Tax Assessment & Valuation

The 2026 property tax bill for 124 E Division St was $1,835, up 3.9% from the year before.

Source: Jefferson County and Watertown City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
Municipality	Watertown City
Unified School District	Watertown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,835.00 (+3.91%)
2025	$1,766.00	$96,600 Land $9,300 Building $87,300	$132,350 Land $12,742 Building $119,608
2023		$96,600 (-) Land $9,300 Building $87,300	$116,400 (+6.01%) Land $11,206 Building $105,194
2022	Homeowner's exemption	$96,600 Land $9,300 Building $87,300	$109,800 Land $10,571 Building $99,229

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA's flood maps do not cover 124 E Division St; there have been 2 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1978–1981)
Most Recent Claim	Aug 1981 · rainfall accumulation

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 124 E Division 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	Direct burnable vegetation

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	WATERTOWN CITY serves 27,861 people · EPA ID NY2202346
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2025 Total trihalomethanes not recorded as resolved · Jan 2022 Haloacetic acids resolved · Jul 2020
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 548 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Westelcom Networks.

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