10 Oneil Cir, Monroe, NY 10950 Property Records

Orange County and Monroe Town property record for 10 Oneil Cir, Monroe, NY 10950

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,876 sqft · built 1977
Lot Size	0.231 acres (10,050 sqft)
Owner	2 Individual Names on File
Last Sale	$260,000 (Dec 2013)
Tax Bill	$12,327 (2024)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2022 Refinance
Flood Zone	Zone X (minimal risk)
APN	`334001 219-3-86`

Property Details

APN / Parcel Number

Primary APN	`334001 219-3-86`
Alternative APNs	`400121900000030860000000` `219-3-86`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,876 sqft Living Area
1st Floor Area	896 sqft
2nd Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	10,050 sqft (0.231 acres)
Lot Dimensions	135 ft deep x 53 ft wide
View / Lot	Suburban
Garage Type	Basement

Exterior Amenities

Pool Type	Above-Ground Pool
Porch	Open Porch
Porch Area	490 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	219-3-86
Street Address	10 ONEIL CIR
City	MONROE
State	NY
Zip	10950-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR-20
Legal Description	LT 5 BLK C OVERLOOK EST
Legal Subdivision	SUBDIVISION PLAT OVERLOOK ESTATES
Legal Block	3
Legal Lot Number	86.00
Jurisdiction	ORANGE NY
Township / Civil Division	MONROE
Census Block Group	1
Census Block	1002
Census Tract	14202

Owner

10 Oneil Cir is owned and occupied by two individuals who bought it in December 2013.

Source: Orange County and Monroe Town records, as of April 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 ONEIL CIR, MONROE, NY 10950-3210
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

Date	Document
Dec 8, 2022	Deed of Trust, Mortgage · Line of Credit HERITAGE FINANCIAL CREDIT UNION
Oct 17, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance HERITAGE FINANCIAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2013 · Amount on File
Deed Sale	Dec 27, 2013 · Amount on File
Prior Sale	Sep 15, 2004 · Amount on File
Deed Book / Page	13698 / 493
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	10 ONEIL CIR, MONROE, NY 10950-3210
Transaction Type	Mortgage
Record Updated	Jan 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000084102
Date	Dec 8, 2022
Book Page	15345/1862
Instrument	20220084102

Lender

Name	HERITAGE FINANCIAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NY
Property Address	10 ONEIL CIR, MONROE, NY 10950-3210
Transaction Type	Mortgage
Record Updated	Nov 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073702
Date	Oct 17, 2022
Book Page	15324/38
Instrument	20220073702

Lender

Name	HERITAGE FINANCIAL CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Orange County and Monroe Town assessment roll, as of April 29, 2026

Property Jurisdictions

Type	Name
State	New York
County	Orange County
County Subdivision	Monroe Town
Municipality	Monroe Village
Unified School District	Monroe-Woodbury Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$51,700 Land $11,600 Building $40,100	$478,300
2024	$12,327.00
2023		$51,700 Land $11,600 Building $40,100	$421,700 Land $94,617 Building $327,083

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 maps place 10 Oneil Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 26, 2023 · 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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	19 (1979–2023)
Claims Outside the SFHA	4 of 19
Most Recent Claim	Sep 2023
Claims by Event	Hurricane Irene, Aug 2011 · 7 claims Hurricane Floyd Major Disaster Declarations, Sep 1999 · 2 claims Coastal Storms & Flooding, Apr 1984 · 2 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 10 Oneil Cir is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONROE VILLAGE serves 12,000 people · EPA ID NY3503535
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	3 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable · Fiber in parts of the area	940 / 35

May also be available: Frontier, Verizon.

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