Madison County and Oneida City property record for 470 Main St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,421 sqft · built 1882 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $72,900 (Jun 1997) |
| Tax Bill | $5,146 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit Sep 2017 Mortgage |
| APN | 251201 38.41-1-9 |
| Primary APN | 251201 38.41-1-9 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,421 sqft Living Area |
| 1st Floor Area | 1,243 sqft |
| 2nd Floor Area | 1,178 sqft |
| Year Built | Built 1882 |
|---|---|
| Effective Year Built | Effective 1882 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 221 ft deep x 58 ft wide |
| Garage Type | Detached |
| Garage Area | 340 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 147 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 470 MAIN ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-2422 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | IN 100 YR FLOODPALIN |
| Legal Block | 1 |
| Legal Lot Number | 9.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 30102 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Main-Broad-Grove Streets Historic District listed 1983 · 194 contributing resources · NRIS 83001705 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
470 Main St is owned and occupied by two individuals who bought it in June 1997.
Source: Madison County and Oneida City records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 470 MAIN ST, ONEIDA, NY 13421-2422 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2026 | Deed of Trust, Mortgage · Line of Credit SECNY FEDERAL CREDIT UNION |
| Sep 21, 2017 | Deed of Trust, Mortgage SECNY FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 26, 1997 · Amount on File |
| Deed Sale | Jun 26, 1997 · Amount on File |
| Deed Book / Page | 1069 / 177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Recording Date | Apr 15, 2026 |
| Property Address | 470 MAIN ST, ONEIDA, NY 13421-2422 |
| Document Number | 0000001626 |
| Instrument Date | Apr 10, 2026 |
| Instrument | 20261626 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 470 MAIN ST, ONEIDA, NY 13421-2422 |
| Document Number | 0000001626, |
|---|---|
| Date | Apr 15, 2026 |
| Instrument | 20261626 |
| Name | SECNY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 470 MAIN ST, ONEIDA, NY 13421-2422 |
| Document Number | 0000005579 |
| Instrument Date | Sep 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 470 MAIN ST ONEIDA NY 134212422, ONEIDA, NY 13421-2422 |
| Document Number | 0000005579 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 5579 |
| Name | SECNY FCU |
|---|---|
| Type | Credit Union |
| Address | SYRACUSE, NY 13215-0040 |
| Amount | Amount on Record |
|---|---|
| Term | 120 Months |
| Due | Sep 25, 2027 |
The 2026 property tax bill for 470 Main St was $5,146 with a homeowner's exemption, down 1.5% from the year before.
Source: Madison County and Oneida City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Madison County |
| Municipality | Oneida City |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,146.00 (-1.47%) Homeowner's exemption | ||
| 2025 | $5,223.00 | $105,000 Land $12,600 Building $92,400 | $147,887 Land $17,746 Building $130,141 |
| 2023 | $105,000 (-) Land $12,600 Building $92,400 | $138,158 (+9.21%) Land $16,579 Building $121,579 | |
| 2022 | $1,936.00 Homeowner's exemption | $105,000 Land $12,600 Building $92,400 | $126,506 Land $15,181 Building $111,325 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 470 Main St; 6 flood insurance policies are in force nearby.
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 | 6 in force |
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 risk around 470 Main St 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 99.1% of the US · lower than 99.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 521 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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