Oneida County and Trenton Town property record for 404 Academy St, Prospect, NY 13435
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,176 sqft · built 1860 |
| Lot Size | 0.229 acres (10,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $116,494 (Oct 2018) |
| Tax Bill | $2,446 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 305889 178.006-1-15 |
| Primary APN | 305889 178.006-1-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 669 sqft |
| 2nd Floor Area | 345 sqft |
| Upper Floors Area | 162 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1860 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,000 sqft (0.229 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Porch | Slab |
| Porch Area | 108 sqft |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 011960 |
|---|---|
| Street Address | 404 ACADEMY ST |
| City | PROSPECT |
| State | NY |
| Zip | 13435-3502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 15.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | TRENTON |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 24000 |
Source: Oneida County and Trenton Town 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 | 404 ACADEMY ST, PROSPECT, NY 13435-3502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 19, 2025 | Deed of Trust, Mortgage SOLVAY BANK |
| Oct 5, 2018 | Grant Deed, Transfer · FHA Mortgage PRIMELENDING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 5, 2018 · Amount on Record |
| Deed Sale | Oct 5, 2018 · Amount on Record |
| Prior Sale | Dec 8, 2016 · Amount on Record |
| Deed Document Number | 201814249 |
| Prior Transfer Date | Jan 7, 2003 |
| Prior Transfer Doc | 2003001303 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 404 ACADEMY ST, PROSPECT, NY 13435-3502 |
| Transaction Type | Mortgage |
| Record Updated | Jan 7, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000016155 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 2025-016155 |
| Name | SOLVAY BANK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Oct 5, 2018 |
| Property Address | 404 ACADEMY ST, PROSPECT, NY 13435-3502 |
| Document Number | 0000014249 |
| Instrument Date | Oct 5, 2018 |
| Instrument | 14249 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2018 |
| Title Company | NTC TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $439.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 404 ACADEMY ST PROSPECT NY 134353502, PROSPECT, NY 13435-3502 |
| Document Number | 14250 |
|---|---|
| Date | Oct 5, 2018 |
| Instrument | 14250 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 4, 2048 |
Source: Oneida County and Trenton Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Trenton Town |
| Unified School District | Holland Patent Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,446.00 (+1.45%) | ||
| 2025 | $2,411.00 (+187.37%) | $46,900 (-) Land $5,000 Building $41,900 | $114,390 (+12.19%) Land $12,195 Building $102,195 |
| 2023 | $46,900 (-) Land $5,000 Building $41,900 | $101,957 (+15.22%) Land $10,870 Building $91,087 | |
| 2022 | $839.00 | $46,900 Land $5,000 Building $41,900 | $88,491 Land $9,434 Building $79,057 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 | 6 in force |
| Nearby Flood Claims | 5 (1999–2019) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Nov 2019 · Severe Storms, Straight-line Winds, 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.
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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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