18 State St, Oxford, NY 13830 Property Records

Chenango County and Oxford Town property record for 18 State St, Oxford, NY 13830

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,544 sqft · built 1850
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Sep 2023)
Tax Bill	$2,521 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`084601 182.12-2-19`

Property Details

APN / Parcel Number

Primary APN	`084601 182.12-2-19`
Alternative APNs	`460118212000020190000000` `1410949`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,291 sqft
Upper Floors Area	253 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	180 ft deep x 76 ft wide
Porch	Patio
Porch Area	243 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1410949
Street Address	18 STATE ST
City	OXFORD
State	NY
Zip	13830-3438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	03 - MULTI
Legal Description	DEED REF B757 P64
Legal Block	2
Legal Lot Number	19.000
Jurisdiction	CHENANGO NY
Township / Civil Division	OXFORD
Census Block Group	3
Census Block	3009
Census Tract	970700

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 Record	Individual Name on Record
Mailing Address	333 E PARKVIEW ST, DYERSBURG, TN 38024-3109
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2023	Deed of Trust, Mortgage · Second Mortgage (Down Payment) COMMUNITY BANK NA
Sep 27, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA
Sep 21, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jun 5, 2017	Grant Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2023 · Amount on Record
Deed Sale	Sep 27, 2023 · Amount on Record
Prior Sale	Jun 5, 2017 · Amount on Record
Deed Document Number	20231580
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHENANGO NY
Property Address	18 STATE ST, OXFORD, NY 13830-3438
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2023000001928
Date	Nov 22, 2023
Instrument	20230-00001928

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2043

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHENANGO NY
Recording Date	Sep 27, 2023
Property Address	18 STATE ST, OXFORD, NY 13830-3438
Document Number	2023000001580
Instrument Date	Sep 21, 2023
Instrument	20230-00001580
Transaction Type	Transfer
Record Updated	Oct 17, 2023

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	333 E PARKVIEW ST, DYERSBURG, TN 38024-3109

Mortgage

Document Number	23000001566
Date	Sep 27, 2023
Instrument	230-00001566

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHENANGO NY
Recording Date	Sep 21, 2020
Property Address	18 STATE ST, OXFORD, NY 13830-3438
Document Number	0000001273
Instrument Date	Jun 8, 2020
Instrument	1273
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2026 W PARKTON DR DELTONA FL 327253103, DELTONA, FL 32725-3103

June 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CHENANGO NY
Recording Date	Jun 5, 2017
Property Address	18 STATE ST, OXFORD, NY 13830-3438
Document Number	0000000743
Instrument Date	Jun 5, 2017
Instrument	743
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$253.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2927 STATE HIGHWAY 220 OXFORD NY 138303709, OXFORD, NY 13830-3709

Mortgage

Document Number	1080
Date	Jun 5, 2017
Instrument	1080

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Chenango County
County Subdivision	Oxford Town
Municipality	Oxford Village
Unified School District	Oxford Academy and Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,521.00 (+2.6%)
2025	$2,457.00	$26,300 (-) Land $6,900 Building $19,400	$71,081 (+20.76%) Land $18,649 Building $52,432
2023		$26,300 (-) Land $6,900 Building $19,400	$58,863 (+15.49%) Land $15,443 Building $43,420
2022		$26,300 Land $6,900 Building $19,400	$50,969 Land $13,372 Building $37,597

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	11 (1979–2011)
Most Recent Claim	Sep 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 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	OXFORD VILLAGE serves 1,738 people · EPA ID NY0801746
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	4 ppb (2023–2025) 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 256 locations within half a mile, as of December 31, 2025

Provider	Max 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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