Oneida County and Vernon Town property record for 43 State St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,472 sqft · built 1945 |
| Lot Size | 0.289 acres (12,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,000 (Sep 2026) |
| Tax Bill | $5,111 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage May 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 306001 321.012-1-29 |
| Primary APN | 306001 321.012-1-29 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Upper Floors Area | 576 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Architectural Style | Cape Cod |
| Exterior Material | Brick |
| Lot Area | 12,600 sqft (0.289 acres) |
| Lot Dimensions | 150 ft deep x 84 ft wide |
| Garage Type | Detached |
| Garage Area | 648 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Canopy | 90 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 020330 |
|---|---|
| Street Address | 43 STATE ST |
| City | ONEIDA |
| State | NY |
| Zip | 13421-2546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE GAR |
| Legal Block | 1 |
| Legal Lot Number | 29.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 24900 |
43 State St is owned by an individual who bought it in September 2026.
Source: Oneida County and Vernon Town records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 204 BETSINGER RD, 10, SHERRILL, NY 13461-1503 |
| Owner Type | Individual |
| Vesting | Individual(s) |
| Date | Document |
|---|---|
| Sep 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| May 22, 2023 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Nov 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage AMERICU CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2026 · Amount on File |
| Deed Sale | Sep 11, 2026 · Amount on File |
| Prior Sale | Jul 23, 2015 · Amount on File |
| Deed Document Number | 202612212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Sep 11, 2026 |
| Property Address | 43 STATE ST, ONEIDA, NY 13421-2546 |
| Document Number | 0000012212 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202612212 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 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 |
|---|
| Date | Sep 11, 2026 |
|---|
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 43 STATE ST, ONEIDA, NY 13421-2546 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006154 |
|---|---|
| Date | May 22, 2023 |
| Instrument | 2023-006154 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 43 STATE ST, ONEIDA, NY 13421-2546 |
| Document Number | 0000018056 |
| Instrument Date | Nov 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 43 STATE ST ONEIDA NY 134212546, ONEIDA, NY 13421-2546 |
| Document Number | 0000018056 |
|---|---|
| Date | Nov 29, 2017 |
| Instrument | 18056 |
| Name | AMERICU CU |
|---|---|
| Type | Credit Union |
| Address | ROME, NY 13440 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 28, 2032 |
The 2026 property tax bill for 43 State St was $5,111, up 2% from the year before.
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 |
| Municipality | Oneida Castle Village |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,111.00 (+2.04%) | ||
| 2025 | $5,009.00 | $90,500 Land $3,800 Building $86,700 | $208,046 Land $8,736 Building $199,310 |
| 2023 | $90,500 (-) Land $3,800 Building $86,700 | $190,526 (+9.47%) Land $8,000 Building $182,526 | |
| 2022 | $1,217.00 | $90,500 Land $3,800 Building $86,700 | $174,038 Land $7,308 Building $166,730 |
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 43 State 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 43 State St 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 94% of the US · lower than 91% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: FCC Broadband Data Collection, based on 109 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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