313 N Main St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 313 N Main St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,715 sqft · built 1900
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,818 (2026)
Deeds & Mortgages	Sep 2026 Mortgage
APN	`251201 30.63-1-72`

Property Details

APN / Parcel Number

Primary APN	`251201 30.63-1-72`
Alternative APNs	`120103006300010720000000` `INSIDE`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,715 sqft Living Area
1st Floor Area	954 sqft
2nd Floor Area	416 sqft
Upper Floors Area	345 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Composition/Composite
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	105 ft deep x 110 ft wide
Porch	Porch
Porch Area	254 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	313 N MAIN ST
City	ONEIDA
State	NY
Zip	13421-1114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Block	1
Legal Lot Number	72.000
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	1
Census Block	1010
Census Tract	30102

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	313 N MAIN ST, ONEIDA, NY 13421-1114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 24, 2005
Transfer Doc	1325000149
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NY
Recording Date	Sep 21, 2026
Property Address	313 N MAIN ST, ONEIDA, NY 13421-1114
Document Number	0000004452
Instrument Date	Sep 16, 2026
Instrument	20264452
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 NORTH ST, ONEIDA, NY 13421-1309

Mortgage

Document Number	0000004452,
Date	Sep 21, 2026
Instrument	20264452

Lender

Name	AMERICU CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Sep 16, 2031

Interest

Max Rate	-1%

Tax Assessment & Valuation

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	$3,818.00 (-1.47%) Homeowner's exemption
2025	$3,875.00 (+207.54%)	$77,900 (-) Land $12,900 Building $65,000	$109,718 (+7.04%) Land $18,169 Building $91,549
2023		$77,900 (-) Land $12,900 Building $65,000	$102,500 (+9.21%) Land $16,974 Building $85,526
2022	$1,260.00 Homeowner's exemption	$77,900 Land $12,900 Building $65,000	$93,855 Land $15,542 Building $78,313

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; 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 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 202 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