3843 Prospect St, Oneida, NY 13421 Property Records

Oneida County and Vernon Town property record for 3843 Prospect St, Oneida, NY 13421

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 3,168 sqft · built 1929
Lot Size	15.5 acres (675,180 sqft)
Owner	2 Individual Names on File
Last Sale	$167,900 (Jun 2016)
Tax Bill	$5,272 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`306089 309.020-1-1`

Property Details

APN / Parcel Number

Primary APN	`306089 309.020-1-1`
Alternative APNs	`608930902000010010000000` `022030`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,168 sqft Living Area
1st Floor Area	1,584 sqft
2nd Floor Area	1,584 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1929
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	675,180 sqft (15.5 acres)
Lot Width	148 ft Width

Exterior Amenities

Pool Type	Above-Ground Pool
Pool Area	452 sqft
Porch	Patio
Porch Area	580 sqft
Silo	Silo

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	022030
Street Address	3843 PROSPECT ST
City	ONEIDA
State	NY
Zip	13421-3641
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	01 - NOT Z
Legal Description	HOUSE & GARAGE LIFE USE-VERYL CURTIS
Legal Block	1
Legal Lot Number	1.000
Jurisdiction	ONEIDA NY
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1019
Census Tract	24900

Owner

3843 Prospect St, a rural home, is owned by two individuals who bought it in June 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	3843 PROSPECT ST, NS, ONEIDA, NY 13421-3641
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2016 · Amount on File
Deed Sale	Jun 17, 2016 · Amount on File
Deed Book / Page	2016 / 8423
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	3843 PROSPECT ST, ONEIDA, NY 13421-3641
Document Number	0000009262
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Sep 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3843 PROSPECT ST ONEIDA NY 134213641, ONEIDA, NY 13421-3641

Mortgage

Document Number	0000009262
Date	Jul 27, 2020
Instrument	9262

Lender

Name	COMMONFUND MTG
Type	Mortgage Company
Address	SYRACUSE, NY 13204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jul 26, 2040

Tax Assessment & Valuation

The 2026 property tax bill for 3843 Prospect St was $5,272, down 0.1% 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	Oneida City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,272.00 (-0.11%)
2025	$5,278.00	$96,300 Land $25,500 Building $70,800	$221,379 Land $58,621 Building $162,758
2023		$94,600 (-) Land $25,500 Building $69,100	$199,158 (+9.47%) Land $53,684 Building $145,474
2022	$1,232.00	$94,600 Land $25,500 Building $69,100	$181,923 Land $49,038 Building $132,885

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

Flood

FEMA maps place 3843 Prospect St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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.

Wildfire

Wildfire risk around 3843 Prospect St is low, with 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 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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