Madison County and Oneida City property record for 407 W Elm St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,728 sqft · built 1875 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,000 (Jun 2019) |
| Tax Bill | $3,705 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Dec 2022 Mortgage + 3 more |
| APN | 251201 30.70-1-50 |
| Primary APN | 251201 30.70-1-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,728 sqft Living Area |
| 1st Floor Area | 928 sqft |
| 2nd Floor Area | 800 sqft |
| Year Built | Built 1875 |
|---|---|
| Effective Year Built | Effective 1875 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 242 ft deep x 90 ft wide |
| Porch | Patio |
| Porch Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 407 W ELM ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-1209 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Legal Lot Number | 50.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 30102 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 7, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Dec 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Sep 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Nov 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jun 18, 2019 | Deed of Trust, Mortgage · FHA Mortgage PARAGON HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on Record |
| Deed Sale | Jun 27, 2019 · Amount on Record |
| Deed Document Number | 20193015 |
| Prior Transfer Date | Aug 24, 2016 |
| Prior Transfer Doc | 2016004756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000002 |
|---|---|
| Date | Oct 7, 2021 |
| Instrument | 2021-7002 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000514 |
|---|---|
| Date | Dec 28, 2022 |
| Instrument | 2022-7514 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Jan 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000000165 |
|---|---|
| Date | Sep 8, 2023 |
| Instrument | 2023-4165 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Type | Government Agency |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 313 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Document Number | 0000007037 |
| Instrument Date | Nov 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 2, 2021 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 407 W ELM ST ONEIDA NY 134211209, ONEIDA, NY 13421-1209 |
| Document Number | 0000007037 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 7037 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 407 W ELM ST, ONEIDA, NY 13421-1209 |
| Document Number | 0000003016 |
| Instrument Date | Jun 18, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 22, 2019 |
| Title Company | BANKERS TITLE CORPORATION, BANKERS TITLE CORP. |
| Name | Verified Name |
|---|---|
| Address | 338 E WALNUT ST ONEIDA NY 134211755, ONEIDA, NY 13421-1755 |
| Document Number | 0000003016 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 3016 |
| Name | PARAGON HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | LIVERPOOL, NY 13088 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 26, 2049 |
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 | $3,705.00 (-1.49%) | ||
| 2025 | $3,761.00 (+99.73%) | $75,600 (-) Land $15,100 Building $60,500 | $106,479 (+7.04%) Land $21,268 Building $85,211 |
| 2023 | $75,600 (-) Land $15,100 Building $60,500 | $99,474 (+9.21%) Land $19,868 Building $79,606 | |
| 2022 | $1,883.00 Additional exemption filed | $75,600 Land $15,100 Building $60,500 | $91,084 Land $18,193 Building $72,891 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 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 226 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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