438 Franklin St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 438 Franklin St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,302 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$105,000 (Oct 2017)
Tax Bill	$4,686 (2026)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
APN	`251201 38.39-2-27`

Property Details

APN / Parcel Number

Primary APN	`251201 38.39-2-27`
Alternative APNs	`120103803900020270000000` `INSIDE`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,302 sqft Living Area
1st Floor Area	868 sqft
Upper Floors Area	434 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	115 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	438 FRANKLIN ST
City	ONEIDA
State	NY
Zip	13421-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LIFE USE IN 100 YR FLOODPLAIN
Legal Block	2
Legal Lot Number	27.000
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	3
Census Block	3011
Census Tract	30102

Owner

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	Individual Name on Record
Mailing Address	438 FRANKLIN ST, ONEIDA, NY 13421-2020
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2017 · Amount on Record
Deed Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	20176394
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NY
Recording Date	Oct 27, 2017
Property Address	438 FRANKLIN ST, ONEIDA, NY 13421-2020
Document Number	0000006394
Instrument Date	Sep 30, 2017
Instrument	6394
Transaction Type	Transfer
Record Updated	Feb 7, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 GENESEE ST NEW HARTFORD NY 13413, NEW HARTFORD, NY 13413

Mortgage

Document Number	6395
Date	Oct 27, 2017
Instrument	6395

Lender

Name	CAPITAL COMMUNICATIONS FCU
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

Source: Madison County and Oneida City assessment roll, as of April 17, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,686.00 (-1.47%)
2025	$4,756.00 (+99.75%)	$95,600 (-) Land $13,500 Building $82,100	$134,648 (+7.04%) Land $19,014 Building $115,634
2023		$95,600 (-) Land $13,500 Building $82,100	$125,789 (+9.21%) Land $17,763 Building $108,026
2022	$2,381.00	$95,600 Land $13,500 Building $82,100	$115,181 Land $16,265 Building $98,916

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	7 in force
Nearby Flood Claims	2 (2025)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jun 2025 · 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

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	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 169 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