3981 Bonstead Rd, Clay, NY 13041 Property Records

Onondaga County and Clay Town property record for 3981 Bonstead Rd, Clay, NY 13041

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,710 sqft · built 1965
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Company Names on File
Last Sale	$300,000 (Dec 2020)
Deeds & Mortgages	Oct 2018 Mortgage Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`312489 025.-01-14.1`

Property Details

APN / Parcel Number

Primary APN	`312489 025.-01-14.1`
Alternative APN	`248902500000010140010000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,710 sqft Living Area
1st Floor Area	1,710 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	87,556 sqft (2.01 acres)
View / Lot	Waterfront
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	246 sqft
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3981 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 16 1169994
Legal Block	1
Legal Lot Number	14.001
Jurisdiction	ONONDAGA NY
Township / Civil Division	CLAY
Census Block Group	3
Census Block	3009
Census Tract	11300

Owner

3981 Bonstead Rd is owned by a company that acquired it in February 2022.

Source: Onondaga County and Clay Town records, as of May 6, 2026

Owner of Record	2 Company Names on File
Mailing Address	3981 BONSTEAD RD, CLAY, NY 13041-9628
Owner Type	Company
Vesting	Life Estate

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2018	Deed of Trust, Mortgage SUMMIT FEDERAL CREDIT UNION
Mar 25, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 11, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage PARAGON HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 11, 2020 · Amount on File
Deed Sale	Dec 11, 2020 · Amount on File
Prior Sale	Dec 19, 2011 · Amount on File
Deed Document Number	2020-00048295
Last Transfer Date	Feb 2, 2022
Transfer Doc	0000012311
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONONDAGA NY
Property Address	3981 BONSTEAD RD, CLAY, NY 13041-9628
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18000047648
Date	Oct 17, 2018
Instrument	180-00047648

Lender

Name	SUMMIT FEDERAL CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record
Term	111 Months
Due	Jan 1, 2028

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONONDAGA NY
Recording Date	Mar 25, 2022
Property Address	3981 BONSTEAD RD, CLAY, NY 13041-9628
Document Number	2022000012311
Instrument Date	Feb 2, 2022
Instrument	20220-00012311
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	7574 MANOR LN, LIVERPOOL, NY 13088-3614

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONONDAGA NY
Recording Date	Dec 11, 2020
Property Address	3981 BONSTEAD RD, CLAY, NY 13041-9628
Document Number	2020000048295
Instrument Date	Dec 9, 2020
Instrument	20200-00048295
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7728 BLACK WILLOW, LIVERPOOL, NY 13090-3600
Investor	Possibly a Property Investor

Mortgage

Document Number	2020000048296
Date	Dec 11, 2020
Instrument	20200-00048296

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	373 Months
Due	Jan 1, 2052

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	Assessed Value	Assessed Market Value
2025	$10,200 (-) Land $1,500 Building $8,700	$425,000 (+14.58%) Land $62,500 Building $362,500
2024	$10,200 (-) Land $1,500 Building $8,700	$370,909 (+8.36%) Land $54,545 Building $316,364
2023	$10,200 Land $1,500 Building $8,700	$342,282 Land $50,336 Building $291,946

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

FEMA maps place 3981 Bonstead Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 3981 Bonstead Rd is low, with less than 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 96% of the US · lower than 95% of New York
Wildfire Likelihood	Under 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.

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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