526 Main St, Oneida, NY 13421 Property Records

Madison County and Oneida City property record for 526 Main St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,293 sqft · built 1901
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Apr 2022)
Tax Bill	$8,494 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit
APN	`251201 38.49-1-15`

Property Details

APN / Parcel Number

Primary APN	`251201 38.49-1-15`
Alternative APNs	`120103804900010150000000` `INSIDE`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,293 sqft Living Area
1st Floor Area	1,196 sqft
2nd Floor Area	1,097 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1901
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	200 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	713 sqft
Parking Spaces	2 Parking Spaces
Pool Area	504 sqft
Porch	Slab
Porch Area	462 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	526 MAIN ST
City	ONEIDA
State	NY
Zip	13421-2424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	1
Legal Lot Number	15.000
Jurisdiction	MADISON NY
Township / Civil Division	ONEIDA
Census Block Group	4
Census Block	4007
Census Tract	30102

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

526 Main St is owned and occupied by two individuals who bought it in April 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	526 MAIN ST, ONEIDA, NY 13421-2424
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on File
Deed Sale	Apr 29, 2022 · Amount on File
Prior Sale	Oct 11, 2001 · Amount on File
Deed Document Number	20222557
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NY
Recording Date	Aug 5, 2026
Property Address	526 MAIN ST, ONEIDA, NY 13421-2424
Document Number	0000003589
Instrument Date	Jul 31, 2026
Instrument	20263589
Transaction Type	Mortgage
Record Updated	Aug 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 MAIN ST, ONEIDA, NY 13421-2424

Mortgage

Document Number	0000003589,
Date	Aug 5, 2026
Instrument	20263589

Lender

Name	AMERICU CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.43%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 526 Main St was $8,494 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

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	$8,494.00 (-1.47%) Homeowner's exemption
2025	$8,621.00	$173,300 Land $13,200 Building $160,100	$244,085 Land $18,592 Building $225,493
2023		$173,300 (-) Land $13,200 Building $160,100	$228,026 (+9.21%) Land $17,368 Building $210,658
2022	$3,637.00 Homeowner's exemption	$173,300 Land $13,200 Building $160,100	$208,795 Land $15,904 Building $192,891

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 526 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

Wildfire risk around 526 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.

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 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