4380 Saunders Rd, Clinton, NY 13323 Property Records

Oneida County and Kirkland Town property record for 4380 Saunders Rd, Clinton, NY 13323

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1960
Lot Size	2.65 acres (115,434 sqft)
Owner	2 Individual Names on File
Last Sale	$154,000 (Jul 2021)
Tax Bill	$4,742 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`304089 327.003-1-31`

Property Details

APN / Parcel Number

Primary APN	`304089 327.003-1-31`
Alternative APNs	`408932700300010310000000` `004550`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	884 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	115,434 sqft (2.65 acres)
Garage Type	Detached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	168 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	004550
Street Address	4380 SAUNDERS RD
City	CLINTON
State	NY
Zip	13323-3618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	31.000
Jurisdiction	ONEIDA NY
Township / Civil Division	KIRKLAND
Census Block Group	2
Census Block	2000
Census Tract	25003

Owner

4380 Saunders Rd is owned and occupied by two individuals who bought it in July 2021.

Source: Oneida County and Kirkland Town records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4380 SAUNDERS RD, CLINTON, NY 13323-3618
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage ACCESS FEDERAL CREDIT UNION
Jun 18, 2018	Warranty Deed, Transfer · Conventional Mortgage ACCESS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on File
Deed Sale	Jul 14, 2021 · Amount on File
Deed Document Number	202111770
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jul 14, 2021
Property Address	4380 SAUNDERS RD, CLINTON, NY 13323-3618
Document Number	11770
Instrument Date	Jun 24, 2021
Instrument	2021-011770
Transaction Type	Transfer
Record Updated	Aug 18, 2021

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	280 SPAIN GULF RD, ONEIDA CASTLE, NY 13421

Mortgage

Document Number	11771
Date	Jul 14, 2021
Instrument	2021-011771

Lender

Name	ACCESS FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jun 18, 2018
Property Address	4380 SAUNDERS RD, CLINTON, NY 13323-3618
Document Number	0000008307
Instrument Date	Jun 8, 2018
Instrument	8307
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7311 STATE ROUTE 5 CLINTON NY 133233435, CLINTON, NY 13323-3435

Mortgage

Document Number	8308
Date	Jun 18, 2018
Instrument	8308

Lender

Name	ACCESS FCU
Address	CLINTON, NY 13323

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 17, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 4380 Saunders Rd was $4,742, up 3.3% from the year before.

Source: Oneida County and Kirkland Town assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Kirkland Town
Unified School District	Clinton Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,742.00 (+3.29%)
2025	$4,591.00	$70,000 Land $21,600 Building $48,400	$198,300 Land $61,190 Building $137,110
2023		$70,000 Land $21,600 Building $48,400	$162,791 Land $50,233 Building $112,558

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 4380 Saunders Rd 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
Flood Insurance Cost	Premium on File median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	3 (2011–2019)
Most Recent Claim	Oct 2019 · Severe Storms, Straight-line Winds, And Flooding

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 4380 Saunders Rd is low, with 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 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	CLINTON VILLAGE serves 3,000 people · EPA ID NY3202386
Water Source	Groundwater
Last State Inspection	Dec 2024
Lead	3 ppb (2022–2024) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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