Madison County and Oneida City property record for 538 Seneca St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 825 sqft · built 1947 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $173,000 (Sep 2025) |
| Tax Bill | $4,117 (2026) |
| Deeds & Mortgages | Sep 2025 Refinance Aug 2021 Line of Credit + 2 more |
| APN | 251201 38.47-1-16 |
| Primary APN | 251201 38.47-1-16 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 825 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 150 ft deep x 52 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 224 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 538 SENECA ST |
|---|---|
| City | ONEIDA |
| State | NY |
| Zip | 13421-2327 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Block | 1 |
| Legal Lot Number | 16.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 30102 |
538 Seneca St is owned and occupied by an individual who bought it in September 2025.
Source: Madison County and Oneida City records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 221 S JAY ST, ROME, NY 13440-5647 |
| 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.
| Date | Document |
|---|---|
| Sep 12, 2025 | Deed of Trust, Mortgage · Stand-Alone Refinance HUNT MORTGAGE |
| Aug 25, 2021 | Deed of Trust, Mortgage · Line of Credit GPO FCU |
| Jul 8, 2021 | Deed, Transfer |
| Sep 16, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 12, 2025 · Amount on File |
| Deed Sale | Sep 12, 2025 · Amount on File |
| Prior Sale | Jul 2, 2014 · Amount on File |
| Deed Document Number | 20254511 |
| Prior Transfer Date | Jul 2, 2021 |
| Prior Transfer Doc | 790 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 538 SENECA ST, ONEIDA, NY 13421-2327 |
| Transaction Type | Mortgage |
| Record Updated | Oct 8, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000000512 |
|---|---|
| Date | Sep 12, 2025 |
| Instrument | 2025-4512 |
| Name | HUNT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 538 SENECA ST, ONEIDA, NY 13421-2327 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | MISC COMPANY |
| Name | Verified Name |
|---|
| Document Number | 922 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 2021-5922 |
| Name | GPO FCU |
|---|---|
| Type | Credit Union |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | MADISON NY |
| Recording Date | Jul 8, 2021 |
| Property Address | 538 SENECA ST, ONEIDA, NY 13421-2327 |
| Document Number | 790 |
| Instrument Date | Jul 2, 2021 |
| Instrument | 2021-4790 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 538 SENECA ST, ONEIDA, NY 13421-2327 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 538 SENECA ST, ONEIDA, NY 13421-2327 |
| Document Number | 0000005913 |
| Instrument Date | Sep 16, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 3, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 538 SENECA ST ONEIDA NY 134212327, ONEIDA, NY 13421-2327 |
| Document Number | 0000005913 |
|---|---|
| Date | Nov 4, 2020 |
| Instrument | 5913 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Nov 3, 2045 |
The 2026 property tax bill for 538 Seneca St was $4,117 with a homeowner's exemption, down 1.5% from the year before.
Source: Madison County and Oneida City assessment roll, as of April 17, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Madison County |
| Municipality | Oneida City |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,117.00 (-1.48%) Homeowner's exemption | ||
| 2025 | $4,179.00 | $84,000 Land $10,900 Building $73,100 | $118,310 Land $15,352 Building $102,958 |
| 2023 | $84,000 (-) Land $10,900 Building $73,100 | $110,526 (+9.21%) Land $14,342 Building $96,184 | |
| 2022 | $1,412.00 Homeowner's exemption | $84,000 Land $10,900 Building $73,100 | $101,205 Land $13,133 Building $88,072 |
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.
FEMA has no flood map on file for 538 Seneca St; there have been 2 flood claims nearby since 2025.
Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Not on file |
|---|---|
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 2 (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 risk around 538 Seneca St is low, with less than 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEIDA CITY serves 11,393 people · EPA ID NY2602381 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 169 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 |
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