Madison County and Oneida City property record for 409 Main St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,140 sqft · built 1900 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $7,818 (2026) |
| Deeds & Mortgages | Jul 2023 Line of Credit Dec 2019 Sale & Mortgage |
| APN | 251201 38.33-1-3 |
| Primary APN | 251201 38.33-1-3 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,140 sqft Living Area |
| 1st Floor Area | 1,818 sqft |
| 2nd Floor Area | 1,322 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 173 ft deep x 57 ft wide |
| Garage Type | Detached |
| Garage Area | 396 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 144 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 MAIN ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-2440 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | IN 100 YR FLOODPLAIN |
| Legal Block | 1 |
| Legal Lot Number | 3.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 30101 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Main-Broad-Grove Streets Historic District listed 1983 · 194 contributing resources · NRIS 83001705 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
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 | 409 MAIN ST, ONEIDA, NY 13421-2440 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 26, 2023 | Deed of Trust, Mortgage · Line of Credit GPO FCU |
| Dec 17, 2019 | Grant Deed, Transfer · Conventional with PMI COMMUNITY BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 9, 2015 |
| Transfer Doc | 2015003228 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 409 MAIN ST, ONEIDA, NY 13421-2440 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000000360 |
|---|---|
| Date | Jul 26, 2023 |
| Instrument | 2023-3360 |
| Name | GPO FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MADISON NY |
| Recording Date | Dec 17, 2019 |
| Property Address | 409 MAIN ST, ONEIDA, NY 13421-2440 |
| Document Number | 0000006688 |
| Instrument Date | Dec 4, 2019 |
| Instrument | 6688 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2020 |
| Title Company | LEATHERSTOCKING ABSTRACT, LEATHERSTOCKING ABS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 335 NORTH ST ONEIDA NY 134211309, ONEIDA, NY 13421-1309 |
| Document Number | 6689 |
|---|---|
| Date | Dec 17, 2019 |
| Instrument | 6689 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Rate Type | Fixed Rate |
|---|
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 | $7,818.00 (-1.47%) | ||
| 2025 | $7,935.00 (+99.72%) | $159,500 (-) Land $11,800 Building $147,700 | $224,648 (+7.04%) Land $16,620 Building $208,028 |
| 2023 | $159,500 (-) Land $11,800 Building $147,700 | $209,868 (+9.21%) Land $15,526 Building $194,342 | |
| 2022 | $3,973.00 | $159,500 Land $11,800 Building $147,700 | $192,169 Land $14,217 Building $177,952 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Flood Insurance Cost | Premium on Record median of 19 policies |
| Nearby Flood Policies | 19 in force |
| Nearby Flood Claims | 44 (1996–2013) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 97.9% 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.
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 521 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures