Oneida County and Vernon Town property record for 3909 Circle Dr, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,162 sqft · built 1955 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,362 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 306089 321.008-3-25 |
| Primary APN | 306089 321.008-3-25 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,162 sqft Living Area |
| 1st Floor Area | 1,162 sqft |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Lot Area | 26,136 sqft (0.6 acres) |
| Lot Dimensions | 228 ft deep x 114 ft wide |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Type | Above-Ground Pool |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 022630 |
|---|---|
| Street Address | 3909 CIRCLE DR |
| City | ONEIDA |
| State | NY |
| Zip | 13421-2577 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE & GARAGE |
| Legal Block | 3 |
| Legal Lot Number | 25.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 24900 |
Source: Oneida County and Vernon Town records, 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 | 3909 CIRCLE DR, ONEIDA, NY 13421-2577 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JP MORGAN CHASE BK |
| Aug 17, 2018 | Warranty Deed, Transfer · FHA Mortgage PREMIUM MTG |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 3909 CIRCLE DR, ONEIDA, NY 13421-2577 |
| Document Number | 0000005015 |
| Instrument Date | Apr 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 23, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Name | Verified Name |
|---|---|
| Address | 3909 CIRCLE DR ONEIDA NY 134212577, ONEIDA, NY 13421-2577 |
| Document Number | 0000005015 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 5015 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240-2050 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 26, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Aug 17, 2018 |
| Property Address | 3909 CIRCLE DR, ONEIDA, NY 13421-2577 |
| Document Number | 0000011609 |
| Instrument Date | Aug 9, 2018 |
| Instrument | 11609 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.60 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3910 CIRCLE DR ONEIDA NY 134212512, ONEIDA, NY 13421-2512 |
| Document Number | 11610 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 11610 |
| Name | PREMIUM MTG |
|---|---|
| Type | Mortgage Company |
| Address | ROCHESTER, NY 14618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 16, 2048 |
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 | $4,362.00 (-0.09%) Homeowner's exemption | ||
| 2025 | $4,366.00 (+321.02%) | $79,600 (-) Land $5,700 Building $73,900 | $182,989 (+9.2%) Land $13,103 Building $169,886 |
| 2023 | $79,600 (-) Land $5,700 Building $73,900 | $167,579 (+9.47%) Land $12,000 Building $155,579 | |
| 2022 | $1,037.00 Homeowner's exemption | $79,600 Land $5,700 Building $73,900 | $153,077 Land $10,962 Building $142,115 |
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 | 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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