461 Tower St, #LU, Waterville, NY 13480 Property Records

Oneida County and Sangerfield Town property record for 461 Tower St, #LU, Waterville, NY 13480

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,680 sqft · built 1973
Lot Size	1.38 acres (60,113 sqft)
Owner	2 Individual Names on File
Last Sale	$74,965 (Aug 2017)
Tax Bill	$5,416 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305401 392.009-1-3`

Property Details

APN / Parcel Number

Primary APN	`305401 392.009-1-3`
Alternative APNs	`540139200900010030000000` `001043`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	60,113 sqft (1.38 acres)
Lot Depth	240 ft Depth
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	243 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	001043
Street Address	461 TOWER ST, LU
City	WATERVILLE
State	NY
Zip	13480-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	419 TOWER ST 240X250 1.59 N TOWER ST S PECHAM E PECHAM W PECHAM
Legal Block	1
Legal Lot Number	3.000
Jurisdiction	ONEIDA NY
Township / Civil Division	SANGERFIELD
Census Block Group	2
Census Block	2011
Census Tract	25700

Owner

461 Tower St, #LU is owned and occupied by two individuals who bought it in August 2017.

Source: Oneida County and Sangerfield Town records, as of April 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	461 TOWER ST, LU, WATERVILLE, NY 13480-1927
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage AMERICU CU
Oct 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage SPECIAL METALS FCU
Aug 28, 2017	Grant Deed, Transfer ROBERT E & KAREN K SONIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2017 · Amount on File
Deed Sale	Aug 28, 2017 · Amount on File
Prior Sale	Jan 24, 2012 · Amount on File
Deed Book / Page	2017 / 12891
Prior Transfer Date	Nov 15, 2011
Prior Transfer Doc	2012001177
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	461 TOWER ST # LU, LU, WATERVILLE, NY 13480-1927
Transaction Type	Mortgage
Record Updated	Feb 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021001750
Date	Feb 1, 2021
Instrument	2021-001750

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	461 TOWER ST # LU, LU, WATERVILLE, NY 13480-1927
Document Number	0000015172
Instrument Date	Oct 15, 2018
Transaction Type	Mortgage
Record Updated	Dec 18, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	461 TOWER ST WATERVILLE NY 134801927, WATERVILLE, NY 13480-1927

Mortgage

Document Number	0000015172
Date	Oct 19, 2018
Instrument	15172

Lender

Name	SPECIAL METALS FCU
Address	NEW HARTFORD, NY 13413

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 18, 2033

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 28, 2017
Property Address	461 TOWER ST # LU, LU, WATERVILLE, NY 13480-1927
Document Number	0000012891
Instrument Date	Aug 24, 2017
Instrument	12891
Transaction Type	Transfer
Record Updated	Sep 13, 2017

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	101 COLLEGE ST ORISKANY FALLS NY 13425, ORISKANY FALLS, NY 13425

Mortgage

Document Number	12892
Date	Aug 28, 2017
Instrument	12892

Lender

Name	ROBERT E & KAREN K SONIA
Address	1501 N LOOP 499, HARLINGEN, TX 78550-1604
Special Notes	Seller Financed

Agreement

Amount	Amount on Record
Term	240 Months
Due	Aug 27, 2037

Interest

Rate	2.6%

Tax Assessment & Valuation

The 2025 property tax bill for 461 Tower St, #LU was $5,416.

Source: Oneida County and Sangerfield Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Sangerfield Town
Municipality	Waterville Village
Unified School District	Waterville Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,416.00	$115,500 Land $10,000 Building $105,500	$275,656 Land $23,866 Building $251,790
2023		$115,500 (-) Land $10,000 Building $105,500	$244,186 (+6.77%) Land $21,142 Building $223,044
2022	$1,878.00	$115,500 Land $10,000 Building $105,500	$228,713 Land $19,802 Building $208,911

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

Flood

FEMA maps place 461 Tower St, #LU in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2013 · Severe Storms And Flooding

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 461 Tower St, #LU is low, with 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 80% of the US · above 54% of New York
Wildfire Likelihood	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	WATERVILLE VILLAGE serves 1,742 people · EPA ID NY3202415
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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