Onondaga County and Clay Town property record for 4465 Millstream Dr, Clay, NY 13041
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,561 sqft · built 2011 |
| Lot Size | 0.416 acres (18,141 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Sep 2020) |
| Tax Bill | $13,261 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Jan 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 312489 070.-03-43.0 |
| Primary APN | 312489 070.-03-43.0 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 11 Rooms |
| Stories | 2 Stories |
| Building Area | 3,561 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| 2nd Floor Area | 1,621 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 18,141 sqft (0.416 acres) |
| Lot Dimensions | 293 ft deep x 61.8 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 792 sqft |
| Porch | Slab |
| Porch Area | 24 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 4465 MILLSTREAM DR |
|---|---|
| City | CLAY |
| State | NY |
| Zip | 13041-2550 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 06 - INDUS |
| Legal Block | 3 |
| Legal Lot Number | 43.000 |
| Jurisdiction | ONONDAGA NY |
| Township / Civil Division | CLAY |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 11232 |
Source: Onondaga County and Clay Town records, as of May 4, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 4465 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 19, 2017 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Jan 22, 2020 | Deed of Trust, Mortgage · Balloon Mortgage CITIZENS BANK |
| Sep 16, 2020 | Deed, Transfer · Stand-Alone First Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 16, 2020 · Amount on Record |
| Deed Sale | Sep 16, 2020 · Amount on Record |
| Prior Sale | Oct 31, 2011 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Property Address | 4465 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 17000032986 |
|---|---|
| Date | Sep 19, 2017 |
| Instrument | 170-00032986 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 352 Months |
| Due | Jan 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Property Address | 4465 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Transaction Type | Mortgage |
| Record Updated | Jun 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020000002645 |
|---|---|
| Date | Jan 22, 2020 |
| Instrument | 20200-00002645 |
| Name | CITIZENS BANK |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed |
|---|---|
| Jurisdiction | ONONDAGA NY |
| Recording Date | Sep 16, 2020 |
| Property Address | 4465 MILLSTREAM DR, CLAY, NY 13041-2550 |
| Document Number | 2020000032847 |
| Instrument Date | Sep 14, 2020 |
| Instrument | 20200-00032847 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| 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 |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 3947 MERGANSER DR, LIVERPOOL, NY 13090-1041 |
| Document Number | 2020000032848 |
|---|---|
| Date | Sep 16, 2020 |
| Instrument | 20200-00032848 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
Source: Onondaga County and Clay Town assessment roll, as of May 4, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Onondaga County |
| County Subdivision | Clay Town |
| Unified School District | Liverpool Central School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,261.00 | $12,700 (-) Land $1,500 Building $11,200 | $529,167 (+24.17%) Land $62,500 Building $466,667 |
| 2023 | $12,700 Land $1,500 Building $11,200 | $426,174 Land $50,336 Building $375,838 |
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.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fiber | 980 / 880 |
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