221 E Main St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 221 E Main St, Watertown, NY 13601

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,970 sqft · built 1900
Lot Size	0.091 acres (4,000 sqft)
Owner	Company Name on File
Last Sale	$58,000 (Dec 2025)
Tax Bill	$1,740 (2026)
Deeds & Mortgages	Dec 2025 Sale Jun 2021 Sale & Mortgage + 2 more
APN	`221800 3-03-203.000`

Property Details

APN / Parcel Number

Primary APN	`221800 3-03-203.000`
Alternative APNs	`180000300000032030000000` `13069370`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,970 sqft Living Area
1st Floor Area	1,039 sqft
2nd Floor Area	931 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	4,000 sqft (0.091 acres)
Lot Dimensions	80 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	216 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13069370
Street Address	221 E MAIN ST
City	WATERTOWN
State	NY
Zip	13601-2016
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	50X80 303203
Legal Block	3
Legal Lot Number	203.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	2
Census Block	2015
Census Tract	61300

Owner

221 E Main St is owned by a company that bought it in December 2025.

Source: Jefferson County and Watertown City records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	1634 STATE ST, WATERTOWN, NY 13601-3556
Owner Type	Company
Vesting	Limited Liability Partnership

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
Dec 11, 2025	Deed, Transfer
Jun 3, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 8, 2019	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Apr 10, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2025 · Amount on File
Deed Sale	Dec 11, 2025 · Amount on File
Prior Sale	Jun 3, 2021 · Amount on File
Deed Document Number	202518390
Prior Transfer Date	Jul 10, 2025
Prior Transfer Doc	0000018390
Record Updated	Oct 29, 2026

December 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON NY
Recording Date	Dec 11, 2025
Property Address	221 E MAIN ST, WATERTOWN, NY 13601-2016
Document Number	0000018390
Instrument Date	Jul 10, 2025
Instrument	2025-00018390
Transaction Type	Transfer
Record Updated	Jan 7, 2026

Transaction

Amount	Amount 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	1634 STATE ST, WATERTOWN, NY 13601-3556

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jun 3, 2021
Property Address	221 E MAIN ST, WATERTOWN, NY 13601-2016
Document Number	2021000008575
Instrument Date	Jun 2, 2021
Instrument	20210-00008575
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount 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	221 E MAIN ST, WATERTOWN, NY 13601-2016

Mortgage

Document Number	21000008576
Date	Jun 3, 2021
Instrument	210-00008576

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Feb 8, 2019
Property Address	221 E MAIN ST, WATERTOWN, NY 13601-2016
Document Number	0000001865
Instrument Date	Feb 4, 2019
Instrument	1865
Transaction Type	Transfer
Record Updated	Apr 17, 2019
Title Company	JEFFERSON ABSTRACT COMPANY, JEFFERSON ABS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14965 S MERLIN LOOP EVANS MILLS NY 136373330, EVANS MILLS, NY 13637-3330

Mortgage

Document Number	1866
Date	Feb 8, 2019
Instrument	1866

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 7, 2049

April 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON NY
Recording Date	Apr 10, 2018
Property Address	221 E MAIN ST, WATERTOWN, NY 13601-2016
Document Number	0000004885
Instrument Date	Apr 9, 2018
Instrument	4885
Transaction Type	Transfer
Record Updated	Apr 24, 2018

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

Tax Assessment & Valuation

The 2026 property tax bill for 221 E Main St was $1,740, 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	$1,740.00 (+3.94%)
2025	$1,674.00	$91,600 (-) Land $5,300 Building $86,300	$125,500 (+9.61%) Land $7,261 Building $118,239
2024		$91,600 (-) Land $5,300 Building $86,300	$114,500 (+3.71%) Land $6,625 Building $107,875
2023		$91,600 (-) Land $5,300 Building $86,300	$110,400 (+6.06%) Land $6,388 Building $104,012
2022		$91,600 Land $5,300 Building $86,300	$104,091 Land $6,023 Building $98,068

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 221 E Main St.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 221 E Main 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 467 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 · Fiber in parts of the area	300 / 20

May also be available: Westelcom Networks.

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