124 Floyd Ave, Deerfield (Utica), NY 13502 Property Records

Oneida County and Deerfield Town property record for 124 Floyd Ave, Deerfield, NY 13502

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,259 sqft · built 1953
Lot Size	0.223 acres (9,750 sqft)
Owner	2 Individual Names on File
Last Sale	$166,000 (Jul 2020)
Tax Bill	$3,233 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`303200 307.005-4-55`

Property Details

APN / Parcel Number

Primary APN	`303200 307.005-4-55`
Alternative APNs	`320030700500040550000000` `002200`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	1,259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	9,750 sqft (0.223 acres)
Lot Dimensions	130 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	260 sqft
Carport	Carport
Carport Area	260 sqft
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	002200
Street Address	124 FLOYD AVE
City	UTICA
State	NY
Zip	13502-1019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	124 FLOYD AVE
Legal Block	4
Legal Lot Number	55.000
Jurisdiction	ONEIDA NY
Township / Civil Division	DEERFIELD
Census Block Group	2
Census Block	2017
Census Tract	23901

Owner

124 Floyd Ave is owned and occupied by two individuals who bought it in July 2020.

Source: Oneida County and Deerfield Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	124 FLOYD AVE, UTICA, NY 13502-1019
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 7, 2020	Deed of Trust, Mortgage AMERICU CU
Jul 8, 2020	Warranty Deed, Transfer AMERICU CU
Feb 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST SOURCE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2020 · Amount on File
Deed Sale	Jul 8, 2020 · Amount on File
Prior Sale	Apr 1, 2016 · Amount on File
Deed Document Number	20208397
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	124 FLOYD AVE, UTICA, NY 13502-1019
Document Number	0000008398
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2734 ONEIDA ST SAUQUOIT NY 134563210, SAUQUOIT, NY 13456-3210

Mortgage

Document Number	0000008398
Date	Jul 8, 2020
Instrument	8398

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jul 8, 2020
Property Address	124 FLOYD AVE, UTICA, NY 13502-1019
Document Number	0000008397
Instrument Date	Jun 12, 2020
Instrument	8397
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$664.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2734 ONEIDA ST SAUQUOIT NY 134563210, SAUQUOIT, NY 13456-3210

Mortgage

Document Number	8398
Date	Jul 8, 2020
Instrument	8398

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	124 FLOYD AVE, UTICA, NY 13502-1019
Document Number	0000002126
Instrument Date	Feb 13, 2019
Transaction Type	Mortgage
Record Updated	Mar 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 FLOYD AVE DEERFIELD NY 135021019, DEERFIELD, NY 13502-1019

Mortgage

Document Number	0000002126
Date	Feb 19, 2019
Instrument	2126

Lender

Name	FIRST SOURCE FCU
Type	Credit Union
Address	NEW HARTFORD, NY 13413

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 18, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 124 Floyd Ave was $3,233, up 3.9% from the year before.

Source: Oneida County and Deerfield Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Deerfield Town
Unified School District	Whitesboro Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,233.00 (+3.85%)
2025	$3,113.00	$12,500 Land $2,000 Building $10,500	$143,678 Land $22,988 Building $120,690
2023		$12,500 (-) Land $2,000 Building $10,500	$132,275 (+14.82%) Land $21,164 Building $111,111
2022	$913.00	$12,500 Land $2,000 Building $10,500	$115,207 Land $18,433 Building $96,774

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 124 Floyd Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2013

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 124 Floyd Ave 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MVWA - MOHAWK VALLEY WATER AUTHORITY serves 126,250 people · EPA ID NY3202411
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2017
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 400 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: GoNetspeed.

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