Oneida County and Trenton Town property record for 812 Lower State St, Prospect, NY 13435
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,797 sqft · built 1850 |
| Lot Size | 0.841 acres (36,632 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,453 (2025) |
| Deeds & Mortgages | Jun 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 305889 178.006-2-45 |
| Primary APN | 305889 178.006-2-45 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,797 sqft Living Area |
| 1st Floor Area | 1,091 sqft |
| 2nd Floor Area | 578 sqft |
| Upper Floors Area | 128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1850 |
| Architectural Style | Traditional |
| Exterior Material | Wood |
| Lot Area | 36,632 sqft (0.841 acres) |
| Lot Dimensions | 241 ft deep x 152 ft wide |
| Porch | Slab |
| Porch Area | 324 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 012680 |
|---|---|
| Street Address | 812 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 | 45.000 |
| 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 April 28, 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 | 812 LOWER STATE ST, PROSPECT, NY 13435-3530 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 812 LOWER STATE ST, PROSPECT, NY 13435-3530 |
| Document Number | 0000008804 |
| Instrument Date | Jun 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 812 LOWER STATE ST PROSPECT NY 134353530, PROSPECT, NY 13435-3530 |
| Document Number | 0000008804 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 8804 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| 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 |
|---|---|---|---|
| 2025 | $2,453.00 (+218.16%) | $54,900 (-) Land $12,900 Building $42,000 | $133,902 (+12.19%) Land $31,463 Building $102,439 |
| 2023 | $54,900 (-) Land $12,900 Building $42,000 | $119,348 (+15.22%) Land $28,044 Building $91,304 | |
| 2022 | $771.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption | $54,900 Land $12,900 Building $42,000 | $103,585 Land $24,340 Building $79,245 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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