Oneida County and Vernon Town property record for 3791 Prospect St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,278 sqft · built 1880 |
| Lot Size | 0.431 acres (18,777 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,619 (2026) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 309.019-1-16 |
| Primary APN | 306089 309.019-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,278 sqft Living Area |
| 1st Floor Area | 1,247 sqft |
| 2nd Floor Area | 816 sqft |
| Upper Floors Area | 215 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1880 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,777 sqft (0.431 acres) |
| Lot Dimensions | 255 ft deep x 73.4 ft wide |
| Garage Type | Detached |
| Garage Area | 352 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 312 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 022150 |
|---|---|
| Street Address | 3791 PROSPECT ST |
| City | ONEIDA |
| State | NY |
| Zip | 13421-3639 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 24900 |
Source: Oneida County and Vernon Town records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3791 PROSPECT ST, NS, ONEIDA, NY 13421-3639 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | May 8, 2006 |
| Transfer Doc | 2006009595 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3791 PROSPECT ST, ONEIDA, NY 13421-3639 |
| Document Number | 0000007001 |
| Instrument Date | May 17, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3791 PROSPECT ST ONEIDA NY 134213639, ONEIDA, NY 13421-3639 |
| Document Number | 0000007001 |
|---|---|
| Date | May 23, 2018 |
| Instrument | 7001 |
| Name | NBT BK |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2048 |
| Rate Type | Adjustable Rate |
|---|
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 | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,619.00 (-0.11%) Homeowner's exemption | ||
| 2025 | $3,623.00 (+321.28%) | $66,100 (-) Land $3,700 Building $62,400 | $151,954 (+9.2%) Land $8,506 Building $143,448 |
| 2023 | $66,100 (-) Land $3,700 Building $62,400 | $139,158 (+9.47%) Land $7,789 Building $131,369 | |
| 2022 | $860.00 Homeowner's exemption | $66,100 Land $3,700 Building $62,400 | $127,115 Land $7,115 Building $120,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (2011–2025) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA CITY serves 11,393 people · EPA ID NY2602381 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 176 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures