Oneida County and Vernon Town property record for 3881 Prospect St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,582 sqft · built 1950 |
| Lot Size | 0.492 acres (21,440 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $233,000 (Oct 2025) |
| Tax Bill | $3,964 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Dec 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 321.008-3-11 |
| Primary APN | 306089 321.008-3-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 1,055 sqft |
| Upper Floors Area | 527 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Cape Cod |
| Exterior Material | Wood |
| Lot Area | 21,440 sqft (0.492 acres) |
| Lot Dimensions | 268 ft deep x 80 ft wide |
| Porch | Slab |
| Porch Area | 160 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 021960 |
|---|---|
| Street Address | 3881 PROSPECT ST |
| City | ONEIDA |
| State | NY |
| Zip | 13421-3641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE |
| Legal Block | 3 |
| Legal Lot Number | 11.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 24900 |
3881 Prospect St is owned by two individuals who bought it in October 2025.
Source: Oneida County and Vernon Town records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 642 HILLSBORO RD, CAMDEN, NY 13316-4411 |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
|---|---|
| Oct 15, 2025 | Warranty Deed, Transfer PLAZA HOME MORTGAGE INC |
| Dec 9, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance CITIZENS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2025 · Amount on File |
| Deed Sale | Oct 15, 2025 · Amount on File |
| Prior Sale | Aug 8, 2016 · Amount on File |
| Deed Document Number | 202513010 |
| Prior Transfer Date | May 2, 2013 |
| Prior Transfer Doc | 2013007057 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Oct 15, 2025 |
| Property Address | 3881 PROSPECT ST, ONEIDA, NY 13421-3641 |
| Document Number | 0000013010 |
| Instrument Date | Sep 12, 2025 |
| Instrument | 2025-013010 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 642 HILLSBORO RD, CAMDEN, NY 13316-4411 |
| Document Number | 0000013011 |
|---|---|
| Date | Oct 15, 2025 |
| Instrument | 2025-013011 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3881 PROSPECT ST, ONEIDA, NY 13421-3641 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000021180 |
|---|---|
| Date | Dec 9, 2021 |
| Instrument | 2021-021180 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2037 |
The 2026 property tax bill for 3881 Prospect St was $3,964.
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 | $3,964.00 | ||
| 2025 | $72,400 (-) Land $4,100 Building $68,300 | $166,437 (+8.51%) Land $9,425 Building $157,012 | |
| 2024 | $72,400 (-) Land $4,100 Building $68,300 | $153,390 (+0.64%) Land $8,686 Building $144,704 | |
| 2023 | $72,400 Land $4,100 Building $68,300 | $152,421 Land $8,632 Building $143,789 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 3881 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 3881 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 | None beyond ember reach |
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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