174 E Bacon St, Waterville, NY 13480 Property Records

Oneida County and Sangerfield Town property record for 174 E Bacon St, Waterville, NY 13480

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,763 sqft · built 1872
Lot Size	0.362 acres (15,774 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Oct 2024)
Tax Bill	$3,436 (2026)
Deeds & Mortgages	Oct 2022 Refinance Oct 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305401 392.007-2-14`

Property Details

APN / Parcel Number

Primary APN	`305401 392.007-2-14`
Alternative APNs	`540139200700020140000000` `002140`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,763 sqft Living Area
1st Floor Area	1,154 sqft
Upper Floors Area	609 sqft

Exterior

Year Built	Built 1872
Effective Year Built	Effective 1872
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,774 sqft (0.362 acres)
Lot Dimensions	239 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	797 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	305 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	002140
Street Address	174 E BACON ST
City	WATERVILLE
State	NY
Zip	13480-1208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	174 E BACON ST N BACON E L BARNES S R TIFFT W R LYNCH
Legal Block	2
Legal Lot Number	14.000
Jurisdiction	ONEIDA NY
Township / Civil Division	SANGERFIELD
Census Block Group	1
Census Block	1013
Census Tract	25700

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	9406 OULEOUT RD, NORTH BROOKFIELD, NY 13418-2104
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ADIRONDACK BANK
Oct 18, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage NBT BANK NATIONAL ASSOCIATION
Feb 26, 2019	Deed of Trust, Mortgage · Conventional with PMI ADIRONDACK BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2024 · Amount on Record
Deed Sale	Oct 18, 2024 · Amount on Record
Prior Sale	Dec 22, 2016 · Amount on Record
Deed Document Number	202412290
Prior Transfer Date	Jan 6, 2007
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	174 E BACON ST, WATERVILLE, NY 13480-1208
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017079
Date	Oct 27, 2022
Instrument	2022-017079

Lender

Name	ADIRONDACK BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Oct 18, 2024
Property Address	174 E BACON ST, WATERVILLE, NY 13480-1208
Document Number	0000012290
Instrument Date	Oct 10, 2024
Instrument	2024-012290
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	9406 OULEOUT RD, NORTH BROOKFIELD, NY 13418-2104

Mortgage

Document Number	0000012291
Date	Oct 18, 2024
Instrument	2024-012291

Lender

Name	NBT BANK NATIONAL ASSOCIATION
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	174 E BACON ST, WATERVILLE, NY 13480-1208
Document Number	0000002928
Instrument Date	Feb 26, 2019
Transaction Type	Mortgage
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	174 E BACON ST WATERVILLE NY 134801208, WATERVILLE, NY 13480-1208

Mortgage

Document Number	0000002928
Date	Mar 8, 2019
Instrument	2928

Lender

Name	ADIRONDACK BK
Type	Bank
Address	UTICA, NY 13501

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	120 Months
Due	Mar 7, 2029

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Sangerfield Town
Municipality	Waterville Village
Unified School District	Waterville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,436.00 (+28.79%)
2025	$2,668.00 (+188.43%)	$56,900 (-) Land $4,000 Building $52,900	$135,800 (+5.01%) Land $9,547 Building $126,253
2024		$56,900 (-) Land $4,000 Building $52,900	$129,318 (+7.5%) Land $9,091 Building $120,227
2023		$56,900 (-) Land $4,000 Building $52,900	$120,296 (+6.77%) Land $8,457 Building $111,839
2022	$925.00	$56,900 Land $4,000 Building $52,900	$112,673 Land $7,921 Building $104,752

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 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding

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 Risk	Low lower than 80% of the US · above 54% of New York
Wildfire Likelihood	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	WATERVILLE VILLAGE serves 1,742 people · EPA ID NY3202415
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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