Madison County and Oneida City property record for 540 Seneca St, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,187 sqft · built 1943 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Aug 2008) |
| Tax Bill | $4,548 (2026) |
| Deeds & Mortgages | Jan 2022 Refinance Oct 2018 Mortgage |
| APN | 251201 38.47-1-17 |
| Primary APN | 251201 38.47-1-17 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,187 sqft Living Area |
| 1st Floor Area | 825 sqft |
| Upper Floors Area | 362 sqft |
| Year Built | Built 1943 |
|---|---|
| Effective Year Built | Effective 1943 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 150 ft deep x 52 ft wide |
| Porch | Slab |
| Porch Area | 78 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 540 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 | 17.000 |
| Jurisdiction | MADISON NY |
| Township / Civil Division | ONEIDA |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 30102 |
540 Seneca St is owned and occupied by two individuals who bought it in August 2008.
Source: Madison County and Oneida City records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 540 SENECA ST, ONEIDA, NY 13421-2327 |
| 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 |
|---|---|
| Jan 4, 2022 | Deed of Trust, Mortgage · Stand-Alone Refinance COMMUNITY BANK NA |
| Oct 25, 2018 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2008 · Amount on File |
| Deed Sale | Aug 1, 2008 · Amount on File |
| Prior Sale | Aug 3, 2000 · Amount on File |
| Deed Book / Page | 1448 / 314 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 540 SENECA ST, ONEIDA, NY 13421-2327 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000000060 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | 2022-060 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MADISON NY |
| Property Address | 540 SENECA ST, ONEIDA, NY 13421-2327 |
| Document Number | 0000005970 |
| Instrument Date | Oct 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2018 |
| Title Company | ALLIED AMERICAN ABSTRACT, ALLIED AMERICAN ABS |
| Name | Verified Name |
|---|---|
| Address | 540 SENECA ST ONEIDA NY 134212327, ONEIDA, NY 13421-2327 |
| Document Number | 0000005970 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 5970 |
| Name | COMMUNITY BK NA |
|---|---|
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Oct 29, 2038 |
The 2026 property tax bill for 540 Seneca St was $4,548 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 | $4,548.00 (-1.47%) Homeowner's exemption | ||
| 2025 | $4,616.00 | $92,800 Land $10,900 Building $81,900 | $130,704 Land $15,352 Building $115,352 |
| 2023 | $92,800 (-) Land $10,900 Building $81,900 | $122,105 (+9.21%) Land $14,342 Building $107,763 | |
| 2022 | $1,632.00 Homeowner's exemption | $92,800 Land $10,900 Building $81,900 | $111,807 Land $13,133 Building $98,674 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA has no flood map on file for 540 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 540 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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