Oneida County and Vernon Town property record for 3870 Prospect St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,214 sqft · built 1953 |
| Lot Size | 0.686 acres (29,882 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Sep 2020) |
| Tax Bill | $5,338 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Dec 2022 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 321.008-3-70 |
| Primary APN | 306089 321.008-3-70 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,214 sqft Living Area |
| 1st Floor Area | 2,214 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 29,882 sqft (0.686 acres) |
| Lot Dimensions | 298 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Porch | Slab |
| Porch Area | 80 sqft |
| Shed | 1 Shed |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | CIEREK M |
|---|---|
| Street Address | 3870 PROSPECT ST |
| City | ONEIDA |
| State | NY |
| Zip | 13421-3640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE W/ATT GAR LIFE USE-WILLARD & MARION LAUBE |
| Legal Block | 3 |
| Legal Lot Number | 70.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 24900 |
3870 Prospect St is owned by an individual who bought it in September 2020.
Source: Oneida County and Vernon Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3870 PROSPECT ST, SS, ONEIDA, NY 13421-3640 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2020 | Deed of Trust, Mortgage · Stand-Alone First Mortgage AMERICU CU |
| Dec 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance GPO FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 9, 2020 · Amount on File |
| Deed Sale | Sep 9, 2020 · Amount on File |
| Prior Sale | Feb 18, 2011 · Amount on File |
| Deed Document Number | 202011587 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3870 PROSPECT ST, ONEIDA, NY 13421-3640 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000011588 |
|---|---|
| Date | Sep 9, 2020 |
| Instrument | 2020-011588 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3870 PROSPECT ST, ONEIDA, NY 13421-3640 |
| Transaction Type | Mortgage |
| Record Updated | Dec 27, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000018943 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022-018943 |
| Name | GPO FCU |
|---|---|
| Type | Credit Union |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | Jan 1, 2054 |
The 2026 property tax bill for 3870 Prospect St was $5,338, down 0.1% 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 | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,338.00 (-0.11%) | ||
| 2025 | $5,344.00 | $97,500 Land $5,000 Building $92,500 | $224,138 Land $11,494 Building $212,644 |
| 2023 | $97,500 (-) Land $5,000 Building $92,500 | $205,263 (+9.47%) Land $10,526 Building $194,737 | |
| 2022 | $1,269.00 | $97,500 Land $5,000 Building $92,500 | $187,500 Land $9,615 Building $177,885 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3870 Prospect St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2011.
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 | 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 risk around 3870 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.
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 116 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 |
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