Oneida County and Vernon Town property record for 4656 Morgan Rd, Vernon, NY 13476
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,378 sqft · built 1994 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,018 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Jul 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19110.8 |
| Primary APN | 19110.8 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,378 sqft Living Area |
| 1st Floor Area | 1,378 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Lot Area | 65,340 sqft (1.5 acres) |
| Lot Width | 200 ft Width |
| Garage Type | Detached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Account Number | 19110.8 |
|---|---|
| Street Address | 4656 MORGAN RD |
| City | VERNON |
| State | NY |
| Zip | 13476 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | DBL WIDE & GARAGE |
| Legal Block | 1 |
| Legal Lot Number | 47.016 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 24900 |
4656 Morgan Rd, a single family home, is owned by an individual.
Source: Oneida County and Vernon Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 8 AIRLINE DR, ALBANY, NY 12205-1040 |
| 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.
| Date | Document |
|---|---|
| Apr 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FUNDING CORP |
| Jul 6, 2022 | Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 4656 MORGAN RD, VERNON, NY 13476 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000006203 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 2022-006203 |
| Name | HOMESTEAD FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 4656 MORGAN RD, VERNON, NY 13476 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000010731 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 2022-010731 |
| Name | FIRST SOURCE FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Aug 1, 2042 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 4656 Morgan Rd was $4,018, down 0.1% 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 |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,018.00 (-0.1%) | ||
| 2025 | $4,022.00 | $74,100 Land $10,500 Building $63,600 | $170,345 Land $24,138 Building $146,207 |
| 2023 | $74,100 (-) Land $10,500 Building $63,600 | $156,000 (+9.47%) Land $22,105 Building $133,895 | |
| 2022 | $731.00 | $74,100 Land $10,500 Building $63,600 | $142,500 Land $20,192 Building $122,308 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4656 Morgan 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 |
| 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 4656 Morgan 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.
Source: FCC Broadband Data Collection, based on 27 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 |
May also be available: T-Mobile.
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