285 Tower St, #SS, Waterville, NY 13480 Property Records

Oneida County and Sangerfield Town property record for 285 Tower St, #SS, Waterville, NY 13480

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 2,936 sqft · built 1870
Owner	2 Individual Names on File
Last Sale	$75,000 (Aug 2018)
Tax Bill	$3,151 (2025)
Deeds & Mortgages	Jan 2020 Line of Credit Sep 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`305401 392.010-1-15`

Property Details

APN / Parcel Number

Primary APN	`305401 392.010-1-15`
Alternative APNs	`540139201000010150000000` `000970`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,936 sqft Living Area
1st Floor Area	1,572 sqft
2nd Floor Area	1,364 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1870
Effective Year Built	Effective 1870
Architectural Style	Traditional
Exterior Material	Stucco
Lot Dimensions	161 ft deep x 76 ft wide
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	000970
Street Address	285 TOWER ST, SS
City	WATERVILLE
State	NY
Zip	13480-1127
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	285 TOWER ST 54X164 N TOWER E D GODFREY S J MORAN W M IRELAND
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	ONEIDA NY
Township / Civil Division	SANGERFIELD
Census Block Group	2
Census Block	2012
Census Tract	25700

Owner

285 Tower St, #SS is owned and occupied by two individuals who bought it in August 2018.

Source: Oneida County and Sangerfield Town records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	285 TOWER ST, SS, WATERVILLE, NY 13480-1127
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
Jan 6, 2020	Deed of Trust, Mortgage · Line of Credit MOHAWK VLY FCU
Sep 26, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 2, 2018	Executor's Deed, Transfer
Aug 2, 2018	Grant Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2018 · Amount on File
Deed Sale	Aug 2, 2018 · Amount on File
Deed Document Number	201810768
Record Updated	Jun 8, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	285 TOWER ST # SS, SS, WATERVILLE, NY 13480-1127
Document Number	0000000538
Instrument Date	Jan 6, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 TOWER ST WATERVILLE NY 134801127, WATERVILLE, NY 13480-1127

Mortgage

Document Number	0000000538
Date	Jan 10, 2020
Instrument	538

Lender

Name	MOHAWK VLY FCU
Address	UTICA, NY 13501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 9, 2035

Interest

Rate Type	Adjustable Rate

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONEIDA NY
Recording Date	Sep 26, 2018
Property Address	285 TOWER ST # SS, SS, WATERVILLE, NY 13480-1127
Document Number	0000013650
Instrument Date	Sep 19, 2018
Instrument	13650
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	285 TOWER ST WATERVILLE NY 134801127, WATERVILLE, NY 13480-1127

August 2018: Executor's Deed, Transfer

Document Type	Executor's Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 2, 2018
Property Address	285 TOWER ST # SS, SS, WATERVILLE, NY 13480-1127
Document Number	0000010768
Instrument Date	Aug 1, 2018
Instrument	2018-010768
Transaction Type	Transfer
Record Updated	Apr 29, 2022

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	7685 STATE ROUTE 20, WATERVILLE, NY 13480-2137

August 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 2, 2018
Property Address	285 TOWER ST # SS, SS, WATERVILLE, NY 13480-1127
Document Number	0000010268
Instrument Date	Aug 1, 2018
Instrument	10268
Transaction Type	Transfer
Record Updated	Dec 4, 2018

Transaction

Amount	Amount on Record
Tax	$300.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	285 TOWER ST WATERVILLE NY 134801127, WATERVILLE, NY 13480-1127

Tax Assessment & Valuation

The 2025 property tax bill for 285 Tower St, #SS was $3,151.

Source: Oneida County and Sangerfield Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Sangerfield Town
Municipality	Waterville Village
Unified School District	Waterville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,151.00	$67,200 Land $3,300 Building $63,900	$160,382 Land $7,876 Building $152,506
2023		$67,200 (-) Land $3,300 Building $63,900	$142,072 (+6.77%) Land $6,977 Building $135,095
2022	$1,093.00	$67,200 Land $3,300 Building $63,900	$133,069 Land $6,535 Building $126,534

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

Flood

FEMA maps place 285 Tower St, #SS in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2013 · 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 285 Tower St, #SS 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	WATERVILLE VILLAGE serves 1,742 people · EPA ID NY3202415
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 206 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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