Oneida County and Trenton Town property record for 413 Academy St, Prospect, NY 13435
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 849 sqft · built 1885 |
| Lot Size | 0.45 acres (19,602 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,674 (2026) |
| Deeds & Mortgages | Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 305889 178.006-1-39 |
| Primary APN | 305889 178.006-1-39 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 849 sqft Living Area |
| 1st Floor Area | 597 sqft |
| Upper Floors Area | 252 sqft |
| Year Built | Built 1885 |
|---|---|
| Effective Year Built | Effective 1885 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 19,602 sqft (0.45 acres) |
| Lot Dimensions | 198 ft deep x 99 ft wide |
| Porch | Slab |
| Porch Area | 372 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 012150 |
|---|---|
| Street Address | 413 ACADEMY ST |
| City | PROSPECT |
| State | NY |
| Zip | 13435-3507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 1 |
| Legal Lot Number | 39.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | TRENTON |
| Census Block Group | 1 |
| Census Block | 1043 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | PO BOX 56, PROSPECT, NY 13435-0056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 413 ACADEMY ST, PROSPECT, NY 13435-3507 |
| Document Number | 0000005226 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 56 PROSPECT NY 134350056, PROSPECT, NY 13435-0056 |
| Document Number | 0000005226 |
|---|---|
| Date | Apr 20, 2018 |
| Instrument | 5226 |
| Name | ADIRONDACK BK |
|---|---|
| Type | Bank |
| Address | UTICA, NY 13501 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,674.00 (+1.45%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $1,650.00 (+187.46%) | $32,100 (-) Land $7,700 Building $24,400 | $78,293 (+12.19%) Land $18,781 Building $59,512 |
| 2023 | $32,100 (-) Land $7,700 Building $24,400 | $69,783 (+15.22%) Land $16,739 Building $53,044 | |
| 2022 | $574.00 Homeowner's exemption Senior Citizen's exemption | $32,100 Land $7,700 Building $24,400 | $60,566 Land $14,528 Building $46,038 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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