Oneida County and Trenton Town property record for 224 Church St, Prospect, NY 13435
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,684 sqft · built 1948 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $88,000 (Nov 1994) |
| Tax Bill | $4,214 (2026) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 305889 178.000-1-22 |
| Primary APN | 305889 178.000-1-22 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| 1st Floor Area | 1,684 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 130,680 sqft (3 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 416 sqft |
| Shed | 1 Shed |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 012320 |
|---|---|
| Street Address | 224 CHURCH ST |
| City | PROSPECT |
| State | NY |
| Zip | 13435-3512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | HOUSE & LOT N DAVIS E OLD RTE 287 S EASTERROCK W RIFFITH |
| Legal Block | 1 |
| Legal Lot Number | 22.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | TRENTON |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 24000 |
224 Church St is owned and occupied by two individuals who bought it in November 1994.
Source: Oneida County and Trenton Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 224 CHURCH ST, PROSPECT, NY 13435-3512 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 23, 1994 · Amount on File |
| Deed Sale | Nov 23, 1994 · Amount on File |
| Deed Book / Page | 2696 / 197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 224 CHURCH ST, PROSPECT, NY 13435-3512 |
| Transaction Type | Mortgage |
| Record Updated | Nov 12, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000013291 |
|---|---|
| Date | Oct 21, 2025 |
| Instrument | 2025-013291 |
| Name | HOMEOWNERS ADVANTAGE |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2026 property tax bill for 224 Church St was $4,214 with a homeowner's exemption, up 1.5% from the year before.
Source: Oneida County and Trenton Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Trenton Town |
| Unified School District | Holland Patent Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,214.00 (+1.49%) Homeowner's exemption | ||
| 2025 | $4,152.00 | $82,700 Land $17,800 Building $64,900 | $201,707 Land $43,415 Building $158,292 |
| 2023 | $82,700 (-) Land $17,800 Building $64,900 | $179,783 (+15.22%) Land $38,696 Building $141,087 | |
| 2022 | $1,123.00 Homeowner's exemption | $82,700 Land $17,800 Building $64,900 | $156,038 Land $33,585 Building $122,453 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 224 Church St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1999.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1999–2019) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Nov 2019 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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 risk around 224 Church St is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures