232 N Main St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 232 N Main St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,440 sqft · built 1996
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$165,000 (Sep 2026)
Tax Bill	$3,039 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
APN	`251201 30.63-2-38`

Property Details

APN / Parcel Number

Primary APN	`251201 30.63-2-38`
Alternative APNs	`120103006300020380000000` `INSIDE`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,440 sqft Living Area
1st Floor Area	960 sqft
2nd Floor Area	480 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	240 ft deep x 21 ft wide
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	232 N MAIN ST
City	ONEIDA
State	NY
Zip	13421-1323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	2
Legal Lot Number	38.000
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	1
Census Block	1013
Census Tract	30101

Owner

232 N Main St is owned and occupied by two individuals who bought it in September 2026.

Source: Madison County and Oneida City records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	7 TOWN GARDEN DR, 12, LIVERPOOL, NY 13088-8505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on File
Deed Sale	Sep 14, 2026 · Amount on File
Prior Sale	Feb 7, 1995 · Amount on File
Deed Document Number	20264351
Prior Transfer Date	Aug 28, 2015
Prior Transfer Doc	2016000792
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NY
Recording Date	Sep 14, 2026
Property Address	232 N MAIN ST, ONEIDA, NY 13421-1323
Document Number	0000004351
Instrument Date	Sep 3, 2026
Instrument	20264351
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004352,
Date	Sep 14, 2026
Instrument	20264352

Lender

Name	COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 232 N Main St was $3,039 with a homeowner's exemption, down 1.5% from the year before.

Source: Madison County and Oneida City assessment roll, as of April 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,039.00 (-1.46%) Homeowner's exemption
2025	$3,084.00	$62,000 Land $6,300 Building $55,700	$87,324 Land $8,873 Building $78,451
2023		$62,000 (-) Land $6,300 Building $55,700	$81,579 (+9.21%) Land $8,289 Building $73,290
2022	$864.00 Homeowner's exemption	$62,000 Land $6,300 Building $55,700	$74,699 Land $7,590 Building $67,109

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 232 N Main St; there have been 2 flood claims nearby since 2013.

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

FEMA Flood Zone	Not on file
Nearby Flood Policies	4 in force
Nearby Flood Claims	2 (2013)
Most Recent Claim	Jun 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2013 · 2 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

Wildfire risk around 232 N Main 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	None beyond 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	ONEIDA CITY serves 11,393 people · EPA ID NY2602381
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	1 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 391 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
T-Mobile Fixed Wireless	100 / 20