3945 Bonstead Rd, Clay, NY 13041 Property Records

Onondaga County and Clay Town property record for 3945 Bonstead Rd, Clay, NY 13041

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,254 sqft · built 1850
Lot Size	1.2 acres (52,272 sqft)
Owner	Individual Name on Record
Last Sale	$161,500 (Aug 2012)
Tax Bill	$6,235 (2025)
Deeds & Mortgages	Jul 2022 Refinance Jun 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`312489 025.-01-09.1`

Property Details

APN / Parcel Number

Primary APN	`312489 025.-01-09.1`
Alternative APN	`248902500000010090010000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,254 sqft Living Area
1st Floor Area	717 sqft
Upper Floors Area	537 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	52,272 sqft (1.2 acres)
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	347 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3945 BONSTEAD RD
City	CLAY
State	NY
Zip	13041-9628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	04 - FARM
Legal Description	FL 15 1170402
Legal Block	1
Legal Lot Number	9.001
Jurisdiction	ONONDAGA NY
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3009
Census Tract	11300

Owner

Source: Onondaga County and Clay Town records, as of May 6, 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	3945 BONSTEAD RD, CLAY, NY 13041-9628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA
Jun 9, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance KEY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2012 · Amount on Record
Deed Sale	Aug 24, 2012 · Amount on Record
Prior Sale	Mar 26, 2007 · Amount on Record
Deed Book / Page	5210 / 752
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	3945 BONSTEAD RD, CLAY, NY 13041-9628
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2022000029982
Date	Jul 25, 2022
Instrument	20220-00029982

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	3945 BONSTEAD RD, CLAY, NY 13041-9628
Transaction Type	Mortgage
Record Updated	Jun 30, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020000018161
Date	Jun 9, 2020
Instrument	20200-00018161

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

Source: Onondaga County and Clay Town assessment roll, as of May 4, 2026

Property Jurisdictions

Type	Name
State	New York
County	Onondaga County
County Subdivision	Clay Town
Unified School District	Phoenix Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,235.00	$7,000 (-) Land $1,500 Building $5,500	$291,667 (+24.17%) Land $62,500 Building $229,167
2023	Homeowner's exemption	$7,000 Land $1,500 Building $5,500	$234,899 Land $50,335 Building $184,564

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.

Flood

Source: FEMA National Flood Hazard Layer, effective March 29, 2024 · 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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 30 policies
Nearby Flood Policies	30 in force
Nearby Flood Claims	23 (1979–2011)
Claims Outside the SFHA	5 of 23
Most Recent Claim	Apr 2011 · Severe Storms, Flooding, Tornadoes, And Straight-line Winds

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

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	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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