220 Central St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 220 Central St, Watertown, NY 13601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,645 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$149,350 (Nov 2020)
Tax Bill	$1,928 (2026)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Nov 2017 Sale
APN	`221800 6-10-105.000`

Property Details

APN / Parcel Number

Primary APN	`221800 6-10-105.000`
Alternative APNs	`180000600000101050000000` `03019280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,645 sqft Living Area
1st Floor Area	972 sqft
2nd Floor Area	673 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	198 ft deep x 55 ft wide

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	672 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03019280
Street Address	220 CENTRAL ST
City	WATERTOWN
State	NY
Zip	13601-2945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	55X198 610105
Legal Block	10
Legal Lot Number	105.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	3
Census Block	3012
Census Tract	61200

Owner

220 Central St is owned and occupied by two individuals who bought it in November 2020.

Source: Jefferson County and Watertown City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	220 CENTRAL ST, WATERTOWN, NY 13601-2945
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
Nov 16, 2020	Warranty Deed, Transfer AMERICU CU
Nov 8, 2017	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Nov 8, 2017 · Amount on File
Deed Document Number	202014821
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Nov 16, 2020
Property Address	220 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000014821
Instrument Date	Nov 3, 2020
Instrument	14821
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	JEFFERSON ABSTRACT COMPANY, JEFFERSON ABS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$597.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1429 GILL ST #433B WATERTOWN NY 136012977, 433B, WATERTOWN, NY 13601-2977

Mortgage

Document Number	14822
Date	Nov 16, 2020
Instrument	14822

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON NY
Recording Date	Nov 8, 2017
Property Address	220 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000017326
Instrument Date	Nov 3, 2017
Instrument	17326
Transaction Type	Transfer
Record Updated	Nov 28, 2017

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 CENTRAL ST WATERTOWN NY 136012945, WATERTOWN, NY 13601-2945
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 220 Central St was $1,928, up 3.9% from the year before.

Source: Jefferson County and Watertown City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
Municipality	Watertown City
Unified School District	Watertown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,928.00 (+3.94%)
2025	$1,855.00	$101,500 Land $8,300 Building $93,200	$139,050 Land $11,371 Building $127,679
2023		$101,500 Land $8,300 Building $93,200	$122,300 Land $10,001 Building $112,299

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

Flood

FEMA's flood maps do not cover 220 Central St; there have been 1 flood claim nearby since 1998.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Jan 1998 · Severe Storms 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

The area around 220 Central St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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	WATERTOWN CITY serves 27,861 people · EPA ID NY2202346
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2025 Total trihalomethanes not recorded as resolved · Jan 2022 Haloacetic acids resolved · Jul 2020
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 696 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 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Westelcom Networks.

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