521 Main St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 521 Main St, Oneida, NY 13421

Property Summary

Property Type	Duplex
Details	4 bd · 2.5 ba · 2,096 sqft · built 1900
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$229,500 (Jun 2026)
Tax Bill	$5,367 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
APN	`251201 38.41-1-63`

Property Details

APN / Parcel Number

Primary APN	`251201 38.41-1-63`
Alternative APNs	`120103804100010630000000` `INSIDE`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,096 sqft Total Area
1st Floor Area	1,048 sqft
2nd Floor Area	1,048 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	298 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	521 MAIN ST
City	ONEIDA
State	NY
Zip	13421-2423
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Block	1
Legal Lot Number	63.000
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	2
Census Block	2030
Census Tract	30101

Historic Designation

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.

Owner

521 Main St, a duplex, is owned by an individual who bought it in June 2026.

Source: Madison County and Oneida City records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	557 MAIN ST, ONEIDA, NY 13421-2441
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on File
Deed Sale	Jun 30, 2026 · Amount on File
Prior Sale	Oct 25, 2024 · Amount on File
Deed Document Number	20262917
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NY
Recording Date	Jun 30, 2026
Property Address	521 MAIN ST, ONEIDA, NY 13421-2423
Document Number	0000002917
Instrument Date	Jun 12, 2026
Instrument	20262917
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,718.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	557 MAIN ST, ONEIDA, NY 13421-2441

Mortgage

Document Number	0000002918,
Date	Jun 30, 2026
Instrument	20262918

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 521 Main St was $5,367, down 1.5% from the year before.

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	$5,367.00 (-1.47%)
2025	$5,447.00	$109,500 Land $10,700 Building $98,800	$154,225 Land $15,070 Building $139,155
2023		$109,500 (-) Land $10,700 Building $98,800	$144,079 (+9.21%) Land $14,079 Building $130,000
2022	$2,728.00	$109,500 Land $10,700 Building $98,800	$131,928 Land $12,892 Building $119,036

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 521 Main St; there have been 44 flood claims nearby since 1996.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	44 (1996–2013)
Most Recent Claim	Jun 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2013 · 41 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

Wildfire risk around 521 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 98% of the US · lower than 97.9% 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.

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 146 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 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20