10076 Davis Rd, Deerfield (Utica), NY 13502 Property Records

Oneida County and Deerfield Town property record for 10076 Davis Rd, Deerfield, NY 13502

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,214 sqft · built 1998
Lot Size	20.1 acres (879,041 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jul 2017)
Tax Bill	$7,268 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit Jan 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`303200 265.000-1-26.3`

Property Details

APN / Parcel Number

Primary APN	`303200 265.000-1-26.3`
Alternative APN	`320026500000010260030000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,214 sqft Living Area
1st Floor Area	1,107 sqft
2nd Floor Area	1,107 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Rustic
Exterior Material	Wood
Lot Area	879,041 sqft (20.1 acres)
Lot Dimensions	996 ft deep x 891 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	10076 DAVIS RD
City	UTICA
State	NY
Zip	13502-7106
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	1
Legal Lot Number	26.003
Jurisdiction	ONEIDA NY
Township / Civil Division	DEERFIELD
Census Block Group	1
Census Block	1053
Census Tract	23902

Owner

10076 Davis Rd, a rural home, is owned and occupied by an individual who bought it in July 2017.

Source: Oneida County and Deerfield Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	10076 DAVIS RD, UTICA, NY 13502-7106
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
Feb 28, 2022	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION
Jan 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FCU
Jan 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FCU
Jun 6, 2018	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FCU
Jul 19, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICU CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 19, 2017 · Amount on File
Deed Sale	Jul 19, 2017 · Amount on File
Prior Sale	Mar 24, 1997 · Amount on File
Deed Book / Page	2017 / 10503
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	10076 DAVIS RD, UTICA, NY 13502-7106
Transaction Type	Mortgage
Record Updated	Mar 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003222
Date	Feb 28, 2022
Instrument	2022-003222

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	10076 DAVIS RD, UTICA, NY 13502-7106
Document Number	0000001553
Instrument Date	Jan 23, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10076 DAVIS RD UTICA NY 135027106, UTICA, NY 13502-7106

Mortgage

Document Number	0000001553
Date	Jan 28, 2021
Instrument	1553

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 27, 2041

Interest

Rate Type	Adjustable Rate

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	10076 DAVIS RD, UTICA, NY 13502-7106
Document Number	0000001554
Instrument Date	Jan 23, 2021
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10076 DAVIS RD UTICA NY 135027106, UTICA, NY 13502-7106

Mortgage

Document Number	0000001554
Date	Jan 28, 2021
Instrument	1554

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 27, 2041

Interest

Rate Type	Adjustable Rate

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	10076 DAVIS RD, UTICA, NY 13502-7106
Document Number	0000007884
Instrument Date	Jun 6, 2018
Transaction Type	Mortgage
Record Updated	Aug 29, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10076 DAVIS RD UTICA NY 135027106, UTICA, NY 13502-7106

Mortgage

Document Number	0000007884
Date	Jun 11, 2018
Instrument	7884

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 10, 2038

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jul 19, 2017
Property Address	10076 DAVIS RD, UTICA, NY 13502-7106
Document Number	0000010503
Instrument Date	Jul 7, 2017
Instrument	10503
Transaction Type	Transfer
Record Updated	Jul 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,500.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11123 DAVIS RD UTICA NY 135027109, UTICA, NY 13502-7109

Mortgage

Document Number	10504
Date	Jul 19, 2017
Instrument	10504

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 10076 Davis Rd was $7,268, down 39.3% from the year before.

Source: Oneida County and Deerfield Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Deerfield Town
Unified School District	Whitesboro Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,268.00 (-39.28%)
2025	$11,969.00	$27,000 Land $4,000 Building $23,000	$310,345 Land $45,977 Building $264,368
2023		$27,000 (-) Land $4,000 Building $23,000	$285,714 (+14.81%) Land $42,328 Building $243,386
2022	$2,257.00	$27,000 Land $4,000 Building $23,000	$248,848 Land $36,866 Building $211,982

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 10076 Davis Rd in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2006.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	12 (2006–2011)
Claims Outside the SFHA	1 of 12
Most Recent Claim	Apr 2011 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds
Claims by Event	Severe Storms And Flooding, Jun 2006 · 11 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 10076 Davis Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	MVWA - MOHAWK VALLEY WATER AUTHORITY serves 126,250 people · EPA ID NY3202411
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2017
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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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