Oneida County and Vernon Town property record for 3732 Graves Rd, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,456 sqft · built 2007 |
| Lot Size | 4.19 acres (182,516 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Oct 2010) |
| Tax Bill | $4,557 (2026) |
| Deeds & Mortgages | Mar 2023 Line of Credit Dec 2020 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 342.000-1-4.2 |
| Primary APN | 306089 342.000-1-4.2 |
|---|---|
| Alternative APN |
|
| 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 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 182,516 sqft (4.19 acres) |
| Lot Width | 286 ft Width |
| Garage Type | Attached |
| Garage Area | 364 sqft |
| Parking Spaces | 1 Parking Space |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3732 GRAVES RD |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-4112 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Block | 1 |
| Legal Lot Number | 4.002 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 3 |
| Census Block | 3036 |
| Census Tract | 24900 |
3732 Graves Rd is owned and occupied by two individuals who acquired it in July 2018.
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 | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Dec 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FCU |
| Dec 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FCU |
| Aug 31, 2018 | Deed of Trust, Mortgage · Line of Credit COMMUNITY BK NA |
| Jul 6, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 25, 2010 · Amount on File |
| Deed Sale | Oct 25, 2010 · Amount on File |
| Deed Book / Page | 2010 / 15935 |
| Last Transfer Date | Jul 5, 2018 |
| Transfer Doc | 0000009349 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002851 |
|---|---|
| Date | Mar 1, 2023 |
| Instrument | 2023-002851 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Apr 1, 2033 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000018549 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3732 GRAVES RD ONEIDA NY 134214112, ONEIDA, NY 13421-4112 |
| Document Number | 0000018549 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 18549 |
| Name | FIRST SOURCE FCU |
|---|---|
| Type | Credit Union |
| Address | NEW HARTFORD, NY 13413 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 29, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000018548 |
| Instrument Date | Dec 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3732 GRAVES RD ONEIDA NY 134214112, ONEIDA, NY 13421-4112 |
| Document Number | 0000018548 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 18548 |
| Name | FIRST SOURCE FCU |
|---|---|
| Type | Credit Union |
| Address | NEW HARTFORD, NY 13413 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Dec 29, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000013227 |
| Instrument Date | Aug 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3732 GRAVES RD ONEIDA NY 134214112, ONEIDA, NY 13421-4112 |
| Document Number | 0000013227 |
|---|---|
| Date | Sep 18, 2018 |
| Instrument | 13227 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Jul 6, 2018 |
| Property Address | 3732 GRAVES RD, ONEIDA, NY 13421-4112 |
| Document Number | 0000009349 |
| Instrument Date | Jul 5, 2018 |
| Instrument | 9349 |
| Transaction Type | Transfer |
| Record Updated | Oct 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3732 GRAVES RD ONEIDA NY 134214112, ONEIDA, NY 13421-4112 |
The 2026 property tax bill for 3732 Graves Rd was $4,557 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 | $4,557.00 (-0.39%) Homeowner's exemption | ||
| 2025 | $4,575.00 | $110,500 Land $16,700 Building $93,800 | $254,023 Land $38,391 Building $215,632 |
| 2023 | $110,500 (-) Land $16,700 Building $93,800 | $232,632 (+9.47%) Land $35,158 Building $197,474 | |
| 2022 | $1,223.00 Homeowner's exemption | $110,500 Land $16,700 Building $93,800 | $212,500 Land $32,115 Building $180,385 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3732 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 3732 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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