12988 State Rte 28, Forestport, NY 13338 Property Records

Oneida County and Forestport Town property record for 12988 State Rte 28, Forestport, NY 13338

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,120 sqft · built 2021
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$35,000 (Aug 2020)
Tax Bill	$4,295 (2026)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`303800 8.003-2-51`

Property Details

APN / Parcel Number

Primary APN	`303800 8.003-2-51`
Alternative APNs	`380000800300020510000000` `007070`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	3 Stories
Building Area	1,120 sqft Living Area
1st Floor Area	560 sqft
2nd Floor Area	560 sqft
Basement Area	560 sqft
Finished Basement	560 sqft
Unfinished Basement	560 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
Lot Dimensions	491 ft deep x 32 ft wide
View / Lot	Waterfront / Beach
Boat Access	Boat Access

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	007070
Street Address	12988 STATE ROUTE 28
City	FORESTPORT
State	NY
Zip	13338
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	G/99, G/02 S STOOKS W LAKE
Legal Block	2
Legal Lot Number	51.000
Jurisdiction	ONEIDA NY
Township / Civil Division	FORESTPORT
Census Block Group	1
Census Block	1014
Census Tract	24101

Owner

12988 State Rte 28 is owned by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	12 TODD LN, BILLERICA, MA 01821-1828
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
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit ADIRONDACK BANK
Aug 4, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Prior Sale	Nov 17, 1997 · Amount on File
Deed Document Number	20209692
Prior Transfer Date	May 24, 1994
Prior Transfer Doc	2683000083
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	12988 STATE ROUTE 28, FORESTPORT, NY 13338
Transaction Type	Mortgage
Record Updated	Mar 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002413
Date	Feb 16, 2023
Instrument	2023-002413

Lender

Name	ADIRONDACK BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Mar 1, 2048

Interest

Rate Type	Adjustable Rate

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 4, 2020
Property Address	12988 STATE ROUTE 28, FORESTPORT, NY 13338
Document Number	0000009692
Instrument Date	Jul 29, 2020
Instrument	9692
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	12 TODD LN BILLERICA MA 018211828, BILLERICA, MA 01821-1828

Tax Assessment & Valuation

The 2026 property tax bill for 12988 State Rte 28 was $4,295, up 11.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Forestport Town
Unified School District	Town of Webb Union Free School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,295.00 (+11.21%)
2025	$3,862.00	$295,000 Land $49,000 Building $246,000	$556,604 Land $92,453 Building $464,151
2023		$295,000 (-) Land $49,000 Building $246,000	$433,824 (+14.71%) Land $72,059 Building $361,765
2022	$436.00	$295,000 Land $49,000 Building $246,000	$378,205 Land $62,820 Building $315,385

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12988 State Rte 28 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 26, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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

Wildfire risk around 12988 State Rte 28 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Adirondack Broadband Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3
Frontier DSL	10 / 1

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on State Rte 28

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