440 Williams St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 440 Williams St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 996 sqft · built 1952
Lot Size	3.95 acres (172,062 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Feb 2024)
Tax Bill	$3,999 (2026)
Deeds & Mortgages	Feb 2024 Refinance
APN	`251201 30.39-1-12.2`

Property Details

APN / Parcel Number

Primary APN	`251201 30.39-1-12.2`
Alternative APNs	`12010300390001012002` `INSIDE`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	996 sqft Living Area
1st Floor Area	996 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	172,062 sqft (3.95 acres)
Lot Dimensions	200 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 WILLIAMS ST
City	ONEIDA
State	NY
Zip	13421-9794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SPLIT FROM 30.39-1-12
Legal Block	1
Legal Lot Number	12.002
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	1
Census Block	1003
Census Tract	30101

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	440 WILLIAMS ST, ONEIDA, NY 13421-9794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2024 · Amount on Record
Deed Sale	Feb 21, 2024 · Amount on Record
Prior Sale	Dec 19, 2013 · Amount on Record
Deed Document Number	2024763
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NY
Property Address	440 WILLIAMS ST, ONEIDA, NY 13421-9794
Transaction Type	Mortgage
Record Updated	Mar 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000064
Date	Feb 21, 2024
Instrument	2024-764

Lender

Name	COMMUNITY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

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	$3,999.00 (-1.48%)
2025	$4,059.00 (+697.45%)	$81,600 (+8.66%) Land $24,000 Building $57,600	$114,930 (+16.31%) Land $33,803 Building $81,127
2023		$75,100 (-) Land $24,000 Building $51,100	$98,816 (+9.21%) Land $31,579 Building $67,237
2022	$509.00 Homeowner's exemption Senior Citizen's exemption	$75,100 Land $24,000 Building $51,100	$90,482 Land $28,916 Building $61,566

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	4 in force
Nearby Flood Claims	2 (2013)
Most Recent Claim	Jun 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2013 · 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	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	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 202 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