Madison County and Oneida City property record for 104 Morgan Ln, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,507 sqft · built 1994 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $248,000 (Oct 2018) |
| Tax Bill | $10,978 (2026) |
| Deeds & Mortgages | Jul 2020 Mortgage Jul 2020 Loan Modification + 1 more |
| APN | 251201 38.45-1-4.28 |
| Primary APN | 251201 38.45-1-4.28 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,507 sqft Living Area |
| 1st Floor Area | 1,739 sqft |
| Upper Floors Area | 768 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 181 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 962 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 715 sqft |
| Canopy | 60 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 104 MORGAN LN |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | WAS 38.45-1-4.11 |
| Legal Block | 1 |
| Legal Lot Number | 4.028 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 30103 |
104 Morgan Ln is owned and occupied by two individuals who bought it in October 2018.
Source: Madison County and Oneida City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 104 MORGAN LN, ONEIDA, NY 13421-1839 |
| 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.
| Date | Document |
|---|---|
| Jul 2, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NBT BK |
| Jul 2, 2020 | Loan Modification, Mortgage · Conventional Mortgage NBT BK |
| Oct 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage NBT BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 23, 2018 · Amount on File |
| Deed Sale | Oct 23, 2018 · Amount on File |
| Prior Sale | Dec 17, 2002 · Amount on File |
| Deed Document Number | 20185834 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 104 MORGAN LN, ONEIDA, NY 13421-1839 |
| Document Number | 0000003282 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | ALLIED AMERICAN ABSTRACT, ALLIED AMERICAN ABS |
| Name | Verified Name |
|---|---|
| Address | 104 MORGAN LN ONEIDA NY 134211839, ONEIDA, NY 13421-1839 |
| Document Number | 0000003282 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 3282 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 7, 2045 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 104 MORGAN LN, ONEIDA, NY 13421-1839 |
| Document Number | 0000003283 |
| Instrument Date | Jul 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 17, 2020 |
| Title Company | ALLIED AMERICAN ABSTRACT, ALLIED AMERICAN ABS |
| Name | Verified Name |
|---|---|
| Address | 104 MORGAN LN ONEIDA NY 134211839, ONEIDA, NY 13421-1839 |
| Document Number | 0000003283 |
|---|---|
| Date | Jul 8, 2020 |
| Instrument | 3283 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Jul 7, 2045 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.25% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MADISON NY |
| Recording Date | Oct 23, 2018 |
| Property Address | 104 MORGAN LN, ONEIDA, NY 13421-1839 |
| Document Number | 0000005834 |
| Instrument Date | Oct 12, 2018 |
| Instrument | 5834 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $992.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 106 MORGAN LN ONEIDA NY 134211839, ONEIDA, NY 13421-1839 |
| Document Number | 5835 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 5835 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Oct 22, 2043 |
The 2026 property tax bill for 104 Morgan Ln was $10,978 with exemptions applied, down 1.3% from the year before.
Source: Madison County and Oneida City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Madison County |
| Municipality | Oneida City |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,978.00 (-1.35%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $11,128.00 | $240,800 Land $35,000 Building $205,800 | $339,155 Land $49,296 Building $289,859 |
| 2023 | $240,800 (-) Land $35,000 Building $205,800 | $316,842 (+9.21%) Land $46,053 Building $270,789 | |
| 2022 | $5,999.00 Disabled Person's exemption Veteran's exemption Additional exemption filed | $240,800 Land $35,000 Building $205,800 | $290,120 Land $42,169 Building $247,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 104 Morgan Ln; there have been 1 flood claim nearby since 2025.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2025 |
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 risk around 104 Morgan Ln is low, with less than 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA CITY serves 11,393 people · EPA ID NY2602381 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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