2820 Swallow Rd, Oneida, NY 13421 Property Records

Oneida County and Verona Town property record for 2820 Swallow Rd, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,180 sqft · built 2001
Lot Size	17.1 acres (744,876 sqft)
Owner	2 Individual Names on File
Last Sale	$8,000 (Apr 1996)
Tax Bill	$12,149 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2021 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`018350.1`

Property Details

APN / Parcel Number

Primary APN	`018350.1`
Alternative APNs	`620028300000010690010000` `306200 283.000-1-69.1`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,180 sqft Living Area
1st Floor Area	1,590 sqft
2nd Floor Area	1,590 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	744,876 sqft (17.1 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	820 sqft
Pole Barn	2,800 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	018350.1
Street Address	2820 SWALLOW RD
City	ONEIDA
State	NY
Zip	13421-3412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	69.001
Jurisdiction	ONEIDA NY
Township / Civil Division	VERONA
Census Block Group	1
Census Block	1158
Census Tract	24700

Owner

2820 Swallow Rd is owned and occupied by two individuals who bought it in April 1996.

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

Owner of Record	2 Individual Names on File
Mailing Address	2820 SWALLOW RD, ONEIDA, NY 13421-3412
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
Mar 13, 2026	Deed of Trust, Mortgage ACCESS FCU
Mar 12, 2021	Deed of Trust, Mortgage · Line of Credit ACCESS FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 1996 · Amount on File
Deed Sale	Apr 24, 1996 · Amount on File
Deed Book / Page	2736 / 327
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	2820 SWALLOW RD, ONEIDA, NY 13421-3412
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003743
Date	Mar 13, 2026
Instrument	2026-003743

Lender

Name	ACCESS FCU

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	2820 SWALLOW RD, ONEIDA, NY 13421-3412
Transaction Type	Mortgage
Record Updated	Apr 1, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4193
Date	Mar 12, 2021
Instrument	2021-004193

Lender

Name	ACCESS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 2820 Swallow Rd was $12,149 with a homeowner's exemption, up 0.7% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Verona Town
Unified School District	Oneida City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,149.00 (+0.69%) Homeowner's exemption
2025	$12,066.00 Homeowner's exemption	$213,569 (-) Land $13,000 Building $200,569	$485,384 (+9.09%) Land $29,545 Building $455,839
2024		$213,569 (-) Land $13,000 Building $200,569	$444,935 (+2.08%) Land $27,083 Building $417,852
2023		$213,569 (-) Land $13,000 Building $200,569	$435,855 (+16.33%) Land $26,531 Building $409,324
2022	$3,004.00 Homeowner's exemption	$213,569 Land $13,000 Building $200,569	$374,682 Land $22,807 Building $351,875

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

Flood

FEMA maps place 2820 Swallow Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 26, 2013 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force

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 2820 Swallow 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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