Madison County and Oneida City property record for 315 Williams St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 960 sqft · built 1940 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $74,000 (May 2002) |
| Tax Bill | $3,676 (2026) |
| Deeds & Mortgages | May 2022 Refinance Jan 2017 Mortgage |
| APN | 251201 30.55-1-31 |
| Primary APN | 251201 30.55-1-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Living Area |
| 1st Floor Area | 960 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cape Cod |
| Exterior Material | Composition/Composite |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 99 ft deep x 122 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 315 WILLIAMS ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-1122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Block | 1 |
| Legal Lot Number | 31.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 30101 |
315 Williams St is owned and occupied by two individuals who bought it in May 2002.
Source: Madison County and Oneida City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 315 WILLIAMS ST, ONEIDA, NY 13421-1122 |
| 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.
| Date | Document |
|---|---|
| May 24, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance AMERICU CU |
| Jan 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICU CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 10, 2002 · Amount on File |
| Deed Sale | May 10, 2002 · Amount on File |
| Prior Sale | May 18, 1999 · Amount on File |
| Deed Book / Page | 1223 / 83 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 315 WILLIAMS ST, ONEIDA, NY 13421-1122 |
| Transaction Type | Mortgage |
| Record Updated | Jun 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000028 |
|---|---|
| Date | May 24, 2022 |
| Instrument | 2022-3028 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 315 WILLIAMS ST, ONEIDA, NY 13421-1122 |
| Document Number | 0000000421 |
| Instrument Date | Jan 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2017 |
| Title Company | INDEPENDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 315 WILLIAMS ST ONEIDA NY 134211122, ONEIDA, NY 13421-1122 |
| Document Number | 0000000421 |
|---|---|
| Date | Jan 25, 2017 |
| Instrument | 421 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Address | ROME, NY 13440 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jan 24, 2032 |
The 2026 property tax bill for 315 Williams St was $3,676 with a homeowner's exemption, down 1.5% from the year before.
Source: Madison County and Oneida City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Madison County |
| Municipality | Oneida City |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,676.00 (-1.47%) Homeowner's exemption | ||
| 2025 | $3,731.00 | $75,000 Land $13,400 Building $61,600 | $105,634 Land $18,873 Building $86,761 |
| 2023 | $75,000 (-) Land $13,400 Building $61,600 | $98,684 (+9.21%) Land $17,632 Building $81,052 | |
| 2022 | $1,188.00 Homeowner's exemption | $75,000 Land $13,400 Building $61,600 | $90,361 Land $16,144 Building $74,217 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 315 Williams St; there have been 2 flood claims nearby since 2013.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 4 in force |
| Nearby Flood Claims | 2 (2013) |
| Most Recent Claim | Jun 2013 · Severe Storms And Flooding |
| Claims by Event |
|
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 risk around 315 Williams St 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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