437 Academy St, Prospect, NY 13435 Property Records

Oneida County and Trenton Town property record for 437 Academy St, Prospect, NY 13435

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,064 sqft · built 1989
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,824 (2026)
Flood Zone	Zone X (minimal risk)
APN	`305889 178.000-1-9`

Property Details

APN / Parcel Number

Primary APN	`305889 178.000-1-9`
Alternative APNs	`588917800000010090000000` `012050`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	2,064 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	74,052 sqft (1.7 acres)
Garage Type	Mixed
Garage Area	1,584 sqft
Parking Spaces	6 Parking Spaces
Porch	Slab
Porch Area	392 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	012050
Street Address	437 ACADEMY ST
City	PROSPECT
State	NY
Zip	13435-3507
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	02 - SINGL
Legal Description	HOUSE & LOT
Legal Block	1
Legal Lot Number	9.000
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, 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	437 ACADEMY ST, PROSPECT, NY 13435-3507
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

Tax Assessment & Valuation

Source: Oneida County and Trenton Town assessment roll, as of April 28, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,824.00 (+5.53%) Homeowner's exemption Senior Citizen's exemption
2025	$5,519.00 (+315.59%)	$114,300 (+16.87%) Land $16,600 Building $97,700	$278,780 (+31.12%) Land $40,488 Building $238,292
2023		$97,800 (-) Land $16,600 Building $81,200	$212,609 (+15.22%) Land $36,087 Building $176,522
2022	$1,328.00 Homeowner's exemption Senior Citizen's exemption	$97,800 Land $16,600 Building $81,200	$184,528 Land $31,321 Building $153,207

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

Flood

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	Severe Storms, Straight-line Winds, And Flooding, Nov 2019 · 2 claims

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

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.

Internet Providers

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