3650 Graves Rd, Oneida, NY 13421 Property Records

Oneida County and Vernon Town property record for 3650 Graves Rd, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 1991
Lot Size	9.06 acres (394,654 sqft)
Owner	2 Individual Names on File
Last Sale	$79,900 (Nov 1995)
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23160.4`

Property Details

APN / Parcel Number

Primary APN	`23160.4`
Alternative APNs	`608934200000010070030000` `306089 342.000-1-7.3`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	394,654 sqft (9.06 acres)
Lot Width	60 ft Width
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	400 sqft
Canopy	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	23160.4
Street Address	3650 GRAVES RD
City	ONEIDA
State	NY
Zip	13421-4110
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LAND & HOUSE
Legal Block	1
Legal Lot Number	7.003
Jurisdiction	ONEIDA NY
Township / Civil Division	VERNON
Census Block Group	3
Census Block	3036
Census Tract	24900

Owner

3650 Graves Rd is owned and occupied by two individuals who acquired it in November 2009.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3650 GRAVES RD, ONEIDA, NY 13421-4110
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2018	Deed of Trust, Mortgage AMERICU CU
Oct 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICU CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 1995 · Amount on File
Deed Sale	Nov 27, 1995 · Amount on File
Deed Book / Page	2723 / 594
Last Transfer Date	Nov 19, 2009
Transfer Doc	2009019517
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3650 GRAVES RD, ONEIDA, NY 13421-4110
Document Number	0000015278
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3650 GRAVES RD ONEIDA NY 134214110, ONEIDA, NY 13421-4110

Mortgage

Document Number	0000015278
Date	Oct 22, 2018
Instrument	15278

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2048

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3650 GRAVES RD, ONEIDA, NY 13421-4110
Document Number	0000015279
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 19, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3650 GRAVES RD ONEIDA NY 134214110, ONEIDA, NY 13421-4110

Mortgage

Document Number	0000015279
Date	Oct 22, 2018
Instrument	15279

Lender

Name	AMERICU CU
Type	Credit Union
Address	ROME, NY 13440

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 21, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 3650 Graves Rd was $3,198 with exemptions applied, down 0.2% from the year before.

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

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Vernon Town
Unified School District	Stockbridge Valley Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,198.00 (-0.22%) Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption
2025	$3,205.00	$87,900 Land $13,500 Building $74,400	$202,069 Land $31,034 Building $171,035
2023		$87,900 (-) Land $13,500 Building $74,400	$185,053 (+9.47%) Land $28,421 Building $156,632
2022	$417.00 Homeowner's exemption Disabled Person's exemption Senior Citizen's exemption Veteran's exemption	$87,900 Land $13,500 Building $74,400	$169,038 Land $25,961 Building $143,077

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

Flood

FEMA maps place 3650 Graves Rd in Zone X, an area of minimal flood risk, though there have been 2 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	2 in force
Nearby Flood Claims	2 (2006–2013)
Most Recent Claim	Jun 2013 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2013 · 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 3650 Graves Rd 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 93% of the US · lower than 89% of New York
Wildfire Likelihood	Under 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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