244 Central St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 244 Central St, Watertown, NY 13601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1925
Lot Size	0.159 acres (6,930 sqft)
Owner	Individual Name on Record
Last Sale	$72,390 (May 2017)
Tax Bill	$843 (2026)
Deeds & Mortgages	Aug 2022 Refinance Dec 2017 Sale + 1 more
APN	`221800 6-10-112.000`

Property Details

APN / Parcel Number

Primary APN	`221800 6-10-112.000`
Alternative APNs	`180000600000101120000000` `03019350`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,152 sqft Living Area
1st Floor Area	576 sqft
2nd Floor Area	576 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,930 sqft (0.159 acres)
Lot Dimensions	198 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03019350
Street Address	244 CENTRAL ST
City	WATERTOWN
State	NY
Zip	13601-2945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	35X198 610112
Legal Block	10
Legal Lot Number	112.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	3
Census Block	3012
Census Tract	61200

Owner

Source: Jefferson County and Watertown City records, as of September 23, 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	Individual Name on Record
Mailing Address	244 CENTRAL ST, WATERTOWN, NY 13601-2945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHERN FEDERAL CU
Dec 22, 2017	Grant Deed, Transfer
May 24, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2017 · Amount on Record
Deed Sale	May 24, 2017 · Amount on Record
Prior Sale	Mar 24, 2004 · Amount on Record
Deed Book / Page	2017 / 7728
Last Transfer Date	Dec 11, 2017
Transfer Doc	0000019713
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	244 CENTRAL ST, WATERTOWN, NY 13601-2945
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014149
Date	Aug 10, 2022
Instrument	20220-00014149

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	JEFFERSON NY
Recording Date	Dec 22, 2017
Property Address	244 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000019713
Instrument Date	Dec 21, 2017
Instrument	19713
Transaction Type	Transfer
Record Updated	Jan 9, 2018

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	JEFFERSON NY
Recording Date	May 24, 2017
Property Address	244 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000007728
Instrument Date	May 10, 2017
Instrument	7728
Transaction Type	Foreclosure
Record Updated	Jun 6, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

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	$843.00 (+3.82%)
2025	$812.00	$44,400 (-) Land $6,800 Building $37,600	$60,800 (+13.64%) Land $9,312 Building $51,488
2023		$44,400 Land $6,800 Building $37,600	$53,500 Land $8,194 Building $45,306

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

Flood

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of New York
Wildfire Likelihood	Under 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	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 405 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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