811 Lower State St, Prospect, NY 13435 Property Records

Oneida County and Trenton Town property record for 811 Lower State St, Prospect, NY 13435 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1900
Square Footage	1,544 sqft Living Area
Lot Size	9,967 sqft (0.228 acres)
Garage	Detached, 312 sqft
Occupancy	Owner Occupied
Tax Bill	$2,411.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`305889 178.006-2-44`
Alternative APNs	`30580317800600020440000000` `012700`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Building Area	1,544 sqft Living Area
1st Floor	972 sqft 1st Floor
2nd Floor	572 sqft 2nd Floor
Stories	2 Stories

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional Style
Exterior Material	Wood Exterior
Lot Area	9,967 sqft (0.228 acres)
Depth X Width	58.1 ft x 171 ft Depth x Width
Parking Spaces	1 Parking Spaces
Garage Type	Detached Garage
Garage Area	312 sqft Garage
Porch	1 Porch
Porch Area	180 sqft Porch

Utilities and HVAC

Heating System	Forced Air with Air Conditioning Heating
Heating Fuel	Oil Heating Fuel
Sewage	Septic Sewage
Water Source	Commercial Water Source

Location & Zoning

Account Number	012700
Street Address	811 LOWER STATE ST
City	PROSPECT
State	NY
Zip	13435-3531
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	44.000
Jurisdiction	ONEIDA NY
Minor Civil Division	TRENTON
Census Blockgroup	1
Census Block	1045
Census Tract	24000

Owner

Source: Oneida County and Trenton Town records · APN 305889 178.006-2-44

Assessment roll updated April 28, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	811 LOWER STATE ST, PROSPECT, NY 13435-3531
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Nov 13, 2012
Transfer Doc	2012020631
Record Refreshed	Jun 08, 2026

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	811 LOWER STATE ST, PROSPECT, NY 13435-3531
Document Number	0000018345
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 17, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 LOWER STATE ST PROSPECT NY 134353531, PROSPECT, NY 13435-3531

Mortgage

Document Number	0000018345
Date	Dec 20, 2018
Instrument	18345

Lender

Name	FIRST SOURCE FCU
Type	Credit Union
Address	NEW HARTFORD, NY 13413

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 19, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Oneida County and Trenton Town records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Trenton Town
Unified School District	Holland Patent Central School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,411.00 (+187.37%)	$46,900 (-) Land $5,000 Building $41,900	$114,390 (+12.19%) Land $12,195 Building $102,195
2023		$46,900 (-) Land $5,000 Building $41,900	$101,957 (+15.22%) Land $10,870 Building $91,087
2022	$839.00 Homeowner's exemption	$46,900 Land $5,000 Building $41,900	$88,491 Land $9,434 Building $79,057

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oneida County (36065C), updated September 26, 2013 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 55% of New York
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.