3685 Graves Rd, Oneida, NY 13421 Property Records

Oneida County and Vernon Town property record for 3685 Graves Rd, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,715 sqft · built 1984
Lot Size	1.42 acres (61,855 sqft)
Owner	2 Individual Names on File
Last Sale	$150,400 (Jul 2014)
Tax Bill	$3,941 (2026)
Deeds & Mortgages	Oct 2025 Mortgage May 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`023110.2`

Property Details

APN / Parcel Number

Primary APN	`023110.2`
Alternative APNs	`608934200000010050020000` `306089 342.000-1-5.2`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,715 sqft Living Area
1st Floor Area	1,182 sqft
Upper Floors Area	533 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	61,855 sqft (1.42 acres)
Lot Width	180 ft Width
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	786 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	023110.2
Street Address	3685 GRAVES RD
City	ONEIDA
State	NY
Zip	13421-4111
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	HOUSE W/BLT IN GAR
Legal Block	1
Legal Lot Number	5.002
Jurisdiction	ONEIDA NY
Township / Civil Division	VERNON
Census Block Group	3
Census Block	3102
Census Tract	24900

Owner

3685 Graves Rd is owned and occupied by two individuals who bought it in July 2014.

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	3685 GRAVES RD, ONEIDA, NY 13421-4111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2025	Deed of Trust, Mortgage ROCKET MORTGAGE LLC
May 12, 2023	Deed of Trust, Mortgage · Line of Credit AMERICU CU
Feb 19, 2020	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2014 · Amount on File
Deed Sale	Jul 8, 2014 · Amount on File
Deed Book / Page	2014 / 8977
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3685 GRAVES RD, ONEIDA, NY 13421-4111
Transaction Type	Mortgage
Record Updated	Oct 29, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012716
Date	Oct 9, 2025
Instrument	2025-012716

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2040

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3685 GRAVES RD, ONEIDA, NY 13421-4111
Transaction Type	Mortgage
Record Updated	May 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005751
Date	May 12, 2023
Instrument	2023-005751

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3685 GRAVES RD, ONEIDA, NY 13421-4111
Document Number	0000002595
Instrument Date	Feb 19, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3685 GRAVES RD ONEIDA NY 134214111, ONEIDA, NY 13421-4111

Mortgage

Document Number	0000002595
Date	Feb 25, 2020
Instrument	2595

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Feb 24, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 3685 Graves Rd was $3,941, down 0.5% 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	$3,941.00 (-0.45%)
2025	$3,959.00	$95,000 Land $10,400 Building $84,600	$218,391 Land $23,908 Building $194,483
2023		$95,000 (-) Land $10,400 Building $84,600	$200,000 (+9.47%) Land $21,895 Building $178,105
2022	$1,103.00	$95,000 Land $10,400 Building $84,600	$182,692 Land $20,000 Building $162,692

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

Flood

FEMA maps place 3685 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 3685 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 94% of the US · lower than 91% 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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