425 Bugbee Dr, Watertown, NY 13601 Property Records

Jefferson County and Watertown City property record for 425 Bugbee Dr, Watertown, NY 13601

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,170 sqft · built 1961
Lot Size	0.378 acres (16,500 sqft)
Owner	2 Individual Names on File
Last Sale	$459,900 (Apr 2025)
Tax Bill	$5,906 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Apr 2025 Sale & Mortgage + 2 more
APN	`221800 14-38-321.000`

Property Details

APN / Parcel Number

Primary APN	`221800 14-38-321.000`
Alternative APNs	`180001400000383210000000` `02014790`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,170 sqft Living Area
1st Floor Area	1,442 sqft
2nd Floor Area	1,728 sqft
Basement Area	384 sqft
Finished Basement	384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1961
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	16,500 sqft (0.378 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	498 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	02014790
Street Address	425 BUGBEE DR
City	WATERTOWN
State	NY
Zip	13601-4203
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R
Legal Description	100X165 1438321
Legal Block	38
Legal Lot Number	321.000
Jurisdiction	JEFFERSON NY
Township / Civil Division	WATERTOWN
Census Block Group	2
Census Block	2011
Census Tract	61900

Owner

425 Bugbee Dr is owned by two individuals who bought it in April 2025.

Source: Jefferson County and Watertown City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	837 HOLCOMB ST, WATERTOWN, NY 13601-4225
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2022	Deed of Trust, Mortgage · Line of Credit NORTHERN FEDERAL CU
Apr 17, 2025	Warranty Deed, Transfer · ARM WATERTOWN SAVINGS BANK
Jun 28, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTHERN FEDERAL CU
May 14, 2020	Warranty Deed, Transfer BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2025 · Amount on File
Deed Sale	Apr 17, 2025 · Amount on File
Prior Sale	Jun 28, 2022 · Amount on File
Deed Document Number	20255897
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON NY
Property Address	425 BUGBEE DR, WATERTOWN, NY 13601-4203
Transaction Type	Mortgage
Record Updated	Mar 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012835
Date	Jul 20, 2022
Instrument	2022-00012835

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Apr 17, 2025
Property Address	425 BUGBEE DR, WATERTOWN, NY 13601-4203
Document Number	0000005897
Instrument Date	Apr 9, 2025
Instrument	2025-00005897
Transaction Type	Transfer
Record Updated	Mar 13, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	837 HOLCOMB ST, WATERTOWN, NY 13601-4225

Mortgage

Document Number	0000005898
Date	Apr 17, 2025
Instrument	2025-00005898

Lender

Name	WATERTOWN SAVINGS BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jun 1, 2030
Index	Other

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	Jun 28, 2022
Property Address	425 BUGBEE DR, WATERTOWN, NY 13601-4203
Document Number	0000011350
Instrument Date	Jun 16, 2022
Instrument	20220-00011350
Transaction Type	Transfer
Record Updated	Jul 19, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	449 BUGBEE DR, WATERTOWN, NY 13601-4203

Mortgage

Document Number	22000011351
Date	Jun 28, 2022
Instrument	220-00011351

Lender

Name	NORTHERN FEDERAL CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON NY
Recording Date	May 14, 2020
Property Address	425 BUGBEE DR, WATERTOWN, NY 13601-4203
Document Number	0000005313
Instrument Date	May 13, 2020
Instrument	5313
Transaction Type	Transfer
Record Updated	Jul 13, 2020
Title Company	BROWNELL ABSTRACT CORPORATION, BROWNELL ABS CORP

Transaction

Amount	Amount on Record
Tax	$400.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4701 25TH AVE SW SEATTLE WA 981061317, SEATTLE, WA 98106-1317

Tax Assessment & Valuation

The 2026 property tax bill for 425 Bugbee Dr was $5,906, up 3.9% from the year before.

Source: Jefferson County and Watertown City assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Jefferson County
Municipality	Watertown City
Unified School District	Watertown City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,906.00 (+3.89%)
2025	$5,685.00	$311,000 (-) Land $30,900 Building $280,100	$426,050 (+9.58%) Land $42,331 Building $383,719
2024		$311,000 (-) Land $30,900 Building $280,100	$388,800 (+3.76%) Land $38,630 Building $350,170
2023		$311,000 Land $30,900 Building $280,100	$374,699 Land $37,229 Building $337,470

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

Flood

FEMA's flood maps do not cover 425 Bugbee Dr; there have been 2 flood claims nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective January 7, 2014 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1981)
Most Recent Claim	Aug 1981 · rainfall accumulation

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.

Wildfire

Wildfire risk around 425 Bugbee Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 96% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WATERTOWN CITY serves 27,861 people · EPA ID NY2202346
Water Source	Surface water
Last State Inspection	Sep 2022
Lead	6 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2025 Total trihalomethanes not recorded as resolved · Jan 2022 Haloacetic acids resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 382 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

May also be available: Westelcom Networks.

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