Oneida County and Vernon Town property record for 3710 Graves Rd, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 2010 |
| Lot Size | 3.85 acres (167,706 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,659 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Sep 2021 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 342.000-1-4.3 |
| Primary APN | 306089 342.000-1-4.3 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| 1st Floor Area | 1,456 sqft |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 167,706 sqft (3.85 acres) |
| Lot Width | 434 ft Width |
| Garage Type | Attached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3710 GRAVES RD |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-4112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 4.003 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 24900 |
3710 Graves Rd is owned and occupied by an individual.
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 | Individual Name on File |
|---|---|
| Mailing Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Deed of Trust, Mortgage · Line of Credit ESL FEDERAL CREDIT UNION |
| Sep 21, 2021 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Mar 31, 2021 | Deed of Trust, Mortgage · ARM FIRST SOURCE FEDERAL CREDIT UNION |
| Jan 27, 2018 | Deed of Trust, Mortgage · Line of Credit CITIZENS BK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Jul 10, 2026 |
| Property Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000009115 |
| Instrument Date | Jul 1, 2026 |
| Instrument | 20269115 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000009115, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 20269115 |
| Name | ESL FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 15847 |
|---|---|
| Date | Sep 21, 2021 |
| Instrument | 2021-015847 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5307 |
|---|---|
| Date | Mar 31, 2021 |
| Instrument | 2021-005307 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Apr 1, 2028 |
| Index | 1-Year CMT |
| Margin | 3 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3710 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000002033 |
| Instrument Date | Jan 27, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 19, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3710 GRAVES RD ONEIDA NY 134214112, ONEIDA, NY 13421-4112 |
| Document Number | 0000002033 |
|---|---|
| Date | Feb 13, 2018 |
| Instrument | 2033 |
| Name | CITIZENS BK |
|---|---|
| Type | Bank |
| Address | PROVIDENCE, RI 02903 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 12, 2043 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 3710 Graves Rd was $4,659 with a homeowner's exemption, down 0.4% from the year before.
Source: Oneida County and Vernon Town assessment roll, as of April 28, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Vernon Town |
| Unified School District | Stockbridge Valley Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,659.00 (-0.45%) Homeowner's exemption | ||
| 2025 | $4,680.00 | $112,300 Land $17,200 Building $95,100 | $258,161 Land $39,540 Building $218,621 |
| 2023 | $112,300 (-) Land $17,200 Building $95,100 | $236,421 (+9.47%) Land $36,211 Building $200,210 | |
| 2022 | $1,304.00 Homeowner's exemption | $112,300 Land $17,200 Building $95,100 | $215,962 Land $33,077 Building $182,885 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3710 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 |
|
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 3710 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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