Oneida County and Vernon Town property record for 3898 Circle Dr, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 884 sqft · built 1953 |
| Lot Size | 0.243 acres (10,609 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Sep 2012) |
| Tax Bill | $3,834 (2025) |
| Deeds & Mortgages | Dec 2021 Refinance Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 321.008-3-31 |
| Primary APN | 306089 321.008-3-31 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 884 sqft Living Area |
| 1st Floor Area | 884 sqft |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,609 sqft (0.243 acres) |
| Lot Dimensions | 124 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 184 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 022570 |
|---|---|
| Street Address | 3898 CIRCLE DR |
| City | ONEIDA |
| State | NY |
| Zip | 13421-2512 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE |
| Legal Block | 3 |
| Legal Lot Number | 31.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 24900 |
Source: Oneida County and Vernon Town records · APN 306089 321.008-3-31
Assessment roll updated April 28, 2026 · Last verified May 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 File |
|---|---|
| Mailing Address | 3898 CIRCLE DR, ONEIDA, NY 13421-2512 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE |
| Jun 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 18, 2012 · Amount on Record |
| Deed Sale | Sep 18, 2012 · Amount on Record |
| Prior Sale | May 31, 2005 · Amount on Record |
| Deed Book / Page | 2012 / 15838 |
| Prior Transfer Date | Sep 14, 2012 |
| Prior Transfer Doc | 2012015838 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3898 CIRCLE DR, ONEIDA, NY 13421-2512 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000022486 |
|---|---|
| Date | Dec 30, 2021 |
| Instrument | 2021-022486 |
| Name | ROCKET MORTGAGE |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3898 CIRCLE DR, ONEIDA, NY 13421-2512 |
| Document Number | 0000009191 |
| Instrument Date | Jun 02, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3898 CIRCLE DR ONEIDA NY 134212512, ONEIDA, NY 13421-2512 |
| Document Number | 0000009191 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 9191 |
| Name | COMMUNITY BK |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 25, 2032 |
Source: Oneida County and Vernon Town records · Assessment roll updated April 28, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oneida County |
| County Subdivision | Vernon Town |
| Unified School District | Oneida City School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,834.00 (+321.32%) | $69,900 (-) Land $3,600 Building $66,300 | $160,690 (+9.2%) Land $8,276 Building $152,414 |
| 2023 | $69,900 (-) Land $3,600 Building $66,300 | $147,158 (+9.47%) Land $7,579 Building $139,579 | |
| 2022 | $910.00 Homeowner's exemption | $69,900 Land $3,600 Building $66,300 | $134,423 Land $6,923 Building $127,500 |
Source: FEMA National Flood Hazard Layer, Oneida County (36065C), as of September 26, 2013 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 360650249001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 116 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NY2602381, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ONEIDA CITY serves 11,393 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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