417 Academy St, Prospect, NY 13435 Property Records

Oneida County and Trenton Town property record for 417 Academy St, Prospect, NY 13435 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,560 sqft · built 1993
Lot Size	5.1 acres (222,156 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,393 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`305889 178.000-1-14.2`

Property Details

APN / Parcel Number

Primary APN	`305889 178.000-1-14.2`
Alternative APN	`588917800000010140020000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,040 sqft
Upper Floors Area	520 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	222,156 sqft (5.1 acres)

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	417 ACADEMY ST
City	PROSPECT
State	NY
Zip	13435-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOUSE AND LOT
Legal Block	1
Legal Lot Number	14.002
Jurisdiction	ONEIDA NY
Township / Civil Division	TRENTON
Census Block Group	1
Census Block	1043
Census Tract	24000

Owner

Source: Oneida County and Trenton Town records · APN 305889 178.000-1-14.2

Assessment roll updated April 28, 2026 · Last verified May 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 File
Mailing Address	417 ACADEMY ST, PROSPECT, NY 13435-3507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Jun 08, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	417 ACADEMY ST, PROSPECT, NY 13435-3507
Transaction Type	Mortgage
Record Updated	Aug 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	13190
Date	Aug 09, 2021
Instrument	2021-013190

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 01, 2036

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oneida County and Trenton Town records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Trenton Town
Unified School District	Holland Patent Central School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,393.00 (+269.78%)	$87,500 (-) Land $19,100 Building $68,400	$213,415 (+12.2%) Land $46,585 Building $166,830
2023		$87,500 (-) Land $19,100 Building $68,400	$190,217 (+15.22%) Land $41,522 Building $148,695
2022	$1,188.00 Homeowner's exemption	$87,500 Land $19,100 Building $68,400	$165,094 Land $36,038 Building $129,056

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oneida County (36065C), updated September 26, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360650240001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 6 individual NFIP policies nearby
Nearby Flood Policies	6 in force 5 of 6 on primary residences
Nearby Flood Claims	5 (1999–2019)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Nov 2019, river or lake flooding, Severe Storms, Straight-line Winds, And Flooding
Flood Events	Severe Storms, Straight-line Winds, And Flooding (Nov 2019), 2 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.