287 E Main St, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 287 E Main St, Watertown, NY 13601

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,164 sqft · built 1900
Lot Size	0.154 acres (6,739 sqft)
Owner	Individual Name on File
Last Sale	$113,300 (May 2023)
Tax Bill	$1,381 (2026)
Deeds & Mortgages	Oct 2023 Refinance May 2023 Sale & Mortgage
APN	`221800 3-05-103.100`

Property Details

APN / Parcel Number

Primary APN	`221800 3-05-103.100`
Alternative APN	`13069530`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,164 sqft Total Area
1st Floor Area	860 sqft
2nd Floor Area	874 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	6,739 sqft (0.154 acres)
Lot Dimensions	100 ft deep x 67.4 ft wide
Porch	Slab
Porch Area	140 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	13069530
Street Address	287 E MAIN ST
City	WATERTOWN
State	NY
Zip	13601-2032
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R
Legal Block	5
Legal Lot Number	103.100
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	2
Census Block	2008
Census Tract	61300

Owner

287 E Main St, a duplex, is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	287 E MAIN ST, WATERTOWN, NY 13601-2032
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
Oct 24, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance WATERTOWN TOWN OF
May 18, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage COMMUNITY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023 · Amount on File
Deed Sale	May 18, 2023 · Amount on File
Prior Sale	Dec 18, 2015 · Amount on File
Deed Document Number	20237237
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	287 E MAIN ST, WATERTOWN, NY 13601-2032
Transaction Type	Mortgage
Record Updated	Nov 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016335
Date	Oct 24, 2023
Instrument	20230-00016335

Lender

Name	WATERTOWN TOWN OF

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	May 18, 2023
Property Address	287 E MAIN ST, WATERTOWN, NY 13601-2032
Document Number	0000007237
Instrument Date	May 16, 2023
Instrument	20230-00007237
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV 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	130 COURT ST APT 208, 208, WATERTOWN, NY 13601-2664

Mortgage

Document Number	23000007238
Date	May 18, 2023
Instrument	230-00007238

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 287 E Main St was $1,381, 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	$1,381.00 (+3.91%)
2025	$1,329.00	$72,700 Land $5,800 Building $66,900	$99,600 Land $7,946 Building $91,654
2023		$72,700 Land $5,800 Building $66,900	$87,600 Land $6,989 Building $80,611

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 287 E Main St.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 287 E Main 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	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	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 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Westelcom Networks.

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