Oneida County and Trenton Town property record for 806 Lower State St, Prospect, NY 13435
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,460 sqft · built 1840 |
| Lot Size | 0.312 acres (13,618 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $93,000 (Feb 2024) |
| Tax Bill | $2,206 (2026) |
| Deeds & Mortgages | Feb 2024 Sale & Mortgage Jun 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 305889 178.006-2-48 |
| Primary APN | 305889 178.006-2-48 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,460 sqft Living Area |
| 1st Floor Area | 1,460 sqft |
| Year Built | Built 1840 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,618 sqft (0.312 acres) |
| Lot Dimensions | 203 ft deep x 67 ft wide |
| Porch | Slab |
| Porch Area | 24 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 012650 |
|---|---|
| Street Address | 806 LOWER STATE ST |
| City | PROSPECT |
| State | NY |
| Zip | 13435-3530 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Block | 2 |
| Legal Lot Number | 48.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | TRENTON |
| Census Block Group | 1 |
| Census Block | 1050 |
| Census Tract | 24000 |
Source: Oneida County and Trenton Town 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 | 552 MEADOW DR, UTICA, NY 13502-1653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2024 | Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA |
| Jun 18, 2020 | Deed of Trust, Mortgage · Line of Credit GPO FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2024 · Amount on Record |
| Deed Sale | Feb 28, 2024 · Amount on Record |
| Deed Document Number | 20242305 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Feb 28, 2024 |
| Property Address | 806 LOWER STATE ST, PROSPECT, NY 13435-3530 |
| Document Number | 0000002305 |
| Instrument Date | Feb 28, 2024 |
| Instrument | 2024-002305 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 552 MEADOW DR, UTICA, NY 13502-1653 |
| Document Number | 0000002306 |
|---|---|
| Date | Feb 28, 2024 |
| Instrument | 2024-002306 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 806 LOWER STATE ST, PROSPECT, NY 13435-3530 |
| Document Number | 0000007616 |
| Instrument Date | Jun 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 806 LOWER STATE ST PROSPECT NY 134353530, PROSPECT, NY 13435-3530 |
| Document Number | 0000007616 |
|---|---|
| Date | Jun 23, 2020 |
| Instrument | 7616 |
| Name | GPO FCU |
|---|---|
| Address | NEW HARTFORD, NY 13413 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2050 |
| Rate Type | Adjustable Rate |
|---|
Source: Oneida County and Trenton Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Trenton Town |
| Unified School District | Holland Patent Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,206.00 (+1.43%) Homeowner's exemption Senior Citizen's exemption | ||
| 2025 | $2,175.00 (+187.32%) | $42,300 (-) Land $5,800 Building $36,500 | $103,171 (+12.19%) Land $14,146 Building $89,025 |
| 2023 | $42,300 (-) Land $5,800 Building $36,500 | $91,957 (+15.22%) Land $12,609 Building $79,348 | |
| 2022 | $757.00 Homeowner's exemption Senior Citizen's exemption | $42,300 Land $5,800 Building $36,500 | $79,811 Land $10,943 Building $68,868 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 5 (1999–2019) |
| Claims Outside the SFHA | 2 of 5 |
| Most Recent Claim | Nov 2019 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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