4433 Saunders Rd, Clinton, NY 13323 Property Records

Oneida County and Westmoreland Town property record for 4433 Saunders Rd, Clinton, NY 13323

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 936 sqft · built 1940
Lot Size	2.3 acres (100,188 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Nov 2021)
Tax Bill	$3,853 (2026)
Deeds & Mortgages	Apr 2024 Mortgage Jun 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`306800 327.000-6-36.1`

Property Details

APN / Parcel Number

Primary APN	`306800 327.000-6-36.1`
Alternative APN	`680032700000060360010000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	936 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Lot Area	100,188 sqft (2.3 acres)
Lot Width	375 ft Width
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	45 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	4433 SAUNDERS RD
City	CLINTON
State	NY
Zip	13323-3621
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Block	6
Legal Lot Number	36.001
Jurisdiction	ONEIDA NY
Township / Civil Division	WESTMORELAND
Census Block Group	2
Census Block	2017
Census Tract	23000

Owner

Source: Oneida County and Westmoreland 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	2 Individual Names on File
Mailing Address	4433 SAUNDERS RD, CLINTON, NY 13323-3621
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2024	Deed of Trust, Mortgage · ARM FIRST SOURCE FEDERAL CREDIT UNION
Jun 23, 2023	Deed of Trust, Mortgage · VA Mortgage WINTRUST MORTGAGE
Nov 22, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage PREMIUM MORTGAGE CO
Nov 12, 2019	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS ADVANTAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2021 · Amount on File
Deed Sale	Nov 22, 2021 · Amount on File
Prior Sale	Nov 12, 2019 · Amount on File
Deed Document Number	202120041
Prior Transfer Date	May 7, 2010
Prior Transfer Doc	2010007495
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	4433 SAUNDERS RD, CLINTON, NY 13323-3621
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004645
Date	Apr 25, 2024
Instrument	2024-004645

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	May 1, 2031
Index	Other

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	4433 SAUNDERS RD, CLINTON, NY 13323-3621
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007557
Date	Jun 23, 2023
Instrument	2023-007557

Lender

Name	WINTRUST MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Nov 22, 2021
Property Address	4433 SAUNDERS RD, CLINTON, NY 13323-3621
Document Number	0000020041
Instrument Date	Nov 18, 2021
Instrument	2021-020041
Transaction Type	Transfer
Record Updated	Dec 14, 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	1606 GROVE ST, VALDOSTA, GA 31601-6506

Mortgage

Document Number	0000020042
Date	Nov 22, 2021
Instrument	2021-020042

Lender

Name	PREMIUM MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Nov 12, 2019
Property Address	4433 SAUNDERS RD, CLINTON, NY 13323-3621
Document Number	0000015718
Instrument Date	Nov 7, 2019
Instrument	15718
Transaction Type	Transfer
Record Updated	Dec 31, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7798 MIDDLE RD ROME NY 134400410, ROME, NY 13440-0410

Mortgage

Document Number	15719
Date	Nov 12, 2019
Instrument	15719

Lender

Name	HOMEOWNERS ADVANTAGE
Address	ALBANY, NY 12205

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,853.00 (-0.36%)
2025	$3,867.00 (+354.94%)	$65,000 (-) Land $13,000 Building $52,000	$180,556 (+5.56%) Land $36,111 Building $144,445
2023		$65,000 (-) Land $13,000 Building $52,000	$171,053 (+13.16%) Land $34,211 Building $136,842
2022	$850.00	$65,000 Land $13,000 Building $52,000	$151,163 Land $30,233 Building $120,930

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 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	2 (2006–2025)
Claims Outside the SFHA	1 of 2
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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

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