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14 State St, Oxford, NY 13830 Property Records

Chenango County and Oxford Town property record for 14 State St, Oxford, NY 13830

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,207 sqft · built 1850
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$96,000 (Jun 2025)
Tax Bill$4,198 (2026)
Deeds & MortgagesNov 2025 Line of Credit
Jun 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN084601 182.12-2-23.2

Property Details

APN / Parcel Number

Primary APN084601 182.12-2-23.2
Alternative APN
  • 460118212000020232000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,207 sqft Living Area
1st Floor Area1,329 sqft
2nd Floor Area546 sqft
Upper Floors Area332 sqft

Exterior

Year BuiltBuilt 1850
Effective Year BuiltEffective 1850
Architectural StyleTraditional
Exterior MaterialAluminum/Vinyl
Lot Area7,405 sqft (0.17 acres)
Lot Dimensions155 ft deep x 53 ft wide
PorchSlab
Porch Area220 sqft

Utilities, Heating & Cooling

Heating SystemForced Air with A/C
Heating FuelOil
SewerSeptic
Water SourceCommercial

Location & Zoning

Street Address14 STATE ST
CityOXFORD
StateNY
Zip13830-3438
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning Code03 - MULTI
Legal Block2
Legal Lot Number23.200
JurisdictionCHENANGO NY
Township / Civil DivisionOXFORD
Census Block Group3
Census Block3009
Census Tract970700

Owner

Source: Chenango County and Oxford Town records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address125 COUNTY ROAD 10A, NORWICH, NY 13815-3626
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

DateDocument
Nov 25, 2025Deed of Trust, Mortgage · Line of Credit
NBT BANK NATIONAL ASSOCIATION
Jun 6, 2025Warranty Deed, Transfer · Stand-Alone First Mortgage
NBT BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 6, 2025 · Amount on Record
Deed SaleJun 6, 2025 · Amount on Record
Prior SaleJan 11, 2010 · Amount on Record
Record UpdatedOct 29, 2026

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCHENANGO NY
Property Address14 STATE ST, OXFORD, NY 13830-3438
Transaction TypeMortgage
Record UpdatedApr 3, 2026
Title CompanyTITLE AGENCY

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number202500001830
DateNov 25, 2025
Instrument2025-00001830
Lender
NameNBT BANK NATIONAL ASSOCIATION
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded

June 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCHENANGO NY
Recording DateJun 6, 2025
Property Address14 STATE ST, OXFORD, NY 13830-3438
Document Number202500000814
Instrument DateApr 23, 2025
Instrument2025-00000814
Transaction TypeTransfer
Record UpdatedApr 3, 2026

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address125 COUNTY ROAD 10A, NORWICH, NY 13815-3626

Mortgage

Document Number202500000841
DateJun 6, 2025
Instrument2025-00000841
Lender
NameNBT BANK NATIONAL ASSOCIATION
TypeBank
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2055

Tax Assessment & Valuation

Source: Chenango County and Oxford Town assessment roll, as of May 12, 2026

Property Jurisdictions

TypeName
StateNew York
CountyChenango County
County SubdivisionOxford Town
MunicipalityOxford Village
Unified School DistrictOxford Academy and Central School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,198.00 (+2.59%)
2025$4,092.00$43,800 (-) Land $5,600 Building $38,200$118,378 (+20.76%) Land $15,135 Building $103,243
2023$43,800 Land $5,600 Building $38,200$98,030 Land $12,534 Building $85,496

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

Source: FEMA National Flood Hazard Layer, effective November 26, 2010 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 in force
Nearby Flood Claims11 (1979–2011)
Most Recent ClaimSep 2011 · rainfall accumulation
Claims by Event
  • Remnants Of Tropical Storm Lee, Sep 2011 · 2 claims
  • Severe Storms And Flooding, Jun 2006 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemOXFORD VILLAGE
serves 1,738 people · EPA ID NY0801746
Water SourceGroundwater
Last State InspectionOct 2025
Lead4 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 256 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 50
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Frontier.

Cell Coverage

5G (outdoors only) and 4G LTE

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