45 State St, Oneida, NY 13421 Property Records

Oneida County and Vernon Town property record for 45 State St, Oneida, NY 13421

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,720 sqft · built 1816
Lot Size	0.685 acres (29,876 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,422 (2026)
Deeds & Mortgages	Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`306001 321.012-1-19`

Property Details

APN / Parcel Number

Primary APN	`306001 321.012-1-19`
Alternative APNs	`600132101200010190000000` `020320`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,720 sqft Living Area
1st Floor Area	1,360 sqft
2nd Floor Area	1,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1816
Effective Year Built	Effective 1816
Architectural Style	Traditional
Exterior Material	Wood
Lot Area	29,876 sqft (0.685 acres)
Lot Dimensions	194 ft deep x 154 ft wide
Pool Type	Above-Ground Pool
Porch	Slab
Porch Area	160 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	020320
Street Address	45 STATE ST
City	ONEIDA
State	NY
Zip	13421-2564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	HOUSE
Legal Block	1
Legal Lot Number	19.000
Jurisdiction	ONEIDA NY
Township / Civil Division	VERNON
Census Block Group	1
Census Block	1027
Census Tract	24900

Owner

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	2 Individual Names on Record
Mailing Address	45 STATE ST, ONEIDA, NY 13421-2564
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Mar 18, 2019
Property Address	45 STATE ST, ONEIDA, NY 13421-2564
Document Number	0000003269
Instrument Date	Feb 19, 2019
Instrument	3269
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$535.48
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3808 SCONONDOA RD #A ONEIDA NY 134213610, A, ONEIDA, NY 13421-3610

Mortgage

Document Number	3270
Date	Mar 18, 2019
Instrument	3270

Lender

Name	COMMUNITY BK NA
Address	OLEAN, NY 14760

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 17, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,422.00 (+2.03%)
2025	$4,334.00	$78,300 (-) Land $7,100 Building $71,200	$180,000 (+9.2%) Land $16,322 Building $163,678
2023		$78,300 Land $7,100 Building $71,200	$164,842 Land $14,947 Building $149,895

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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	None beyond ember reach

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 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