246 Central St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 246 Central St, Watertown, NY 13601

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,578 sqft · built 1900
Lot Size	0.159 acres (6,930 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Sep 2019)
Tax Bill	$1,512 (2026)
Deeds & Mortgages	Sep 2019 Sale & Mortgage Jul 2019 Mortgage
APN	`221800 6-10-113.000`

Property Details

APN / Parcel Number

Primary APN	`221800 6-10-113.000`
Alternative APNs	`180000600000101130000000` `03019360`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,578 sqft Living Area
1st Floor Area	942 sqft
2nd Floor Area	636 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
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	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Slab
Porch Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	03019360
Street Address	246 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 610113
Legal Block	10
Legal Lot Number	113.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	3
Census Block	3012
Census Tract	61200

Owner

246 Central St is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	246 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
Sep 30, 2019	Warranty Deed, Transfer · Conventional Mortgage WATERTOWN SVGS BK
Jul 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage NORTHERN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2019 · Amount on File
Deed Sale	Sep 30, 2019 · Amount on File
Prior Sale	May 19, 2016 · Amount on File
Deed Document Number	201915879
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Sep 30, 2019
Property Address	246 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000015879
Instrument Date	Sep 24, 2019
Instrument	15879
Transaction Type	Transfer
Record Updated	Oct 23, 2019
Title Company	BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 BISHOP ST WATERTOWN NY 136014604, WATERTOWN, NY 13601-4604

Mortgage

Document Number	15880
Date	Sep 30, 2019
Instrument	15880

Lender

Name	WATERTOWN SVGS BK
Type	Federal Savings Bank
Address	WATERTOWN, NY 13601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 29, 2034

Interest

Rate Type	Adjustable Rate
Rate	2.5%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	246 CENTRAL ST, WATERTOWN, NY 13601-2945
Document Number	0000012404
Instrument Date	Jul 26, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	244 CENTRAL ST WATERTOWN NY 136012945, WATERTOWN, NY 13601-2945

Mortgage

Document Number	0000012404
Date	Jul 29, 2019
Instrument	12404

Lender

Name	NORTHERN CU
Address	POUGHKEEPSIE, NY 12601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 28, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 246 Central St was $1,512, 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	$1,512.00 (+3.92%)
2025	$1,455.00	$79,600 Land $6,800 Building $72,800	$109,050 Land $9,316 Building $99,734
2023		$79,600 (-) Land $6,800 Building $72,800	$95,900 (+5.97%) Land $8,192 Building $87,708
2022		$79,600 Land $6,800 Building $72,800	$90,500 Land $7,731 Building $82,769

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 246 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

Wildfire risk around 246 Central St is low, with less than 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 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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