6103 Cavanaugh Rd, #WS, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 6103 Cavanaugh Rd, #WS, Marcy, NY 13403

Property Summary

Property Type	Rural Home
Details	4 bd · 2.5 ba · 2,268 sqft · built 1988
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Last Sale	$300,000 (Nov 2017)
Tax Bill	$7,767 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304400 278.000-1-56.2`

Property Details

APN / Parcel Number

Primary APN	`304400 278.000-1-56.2`
Alternative APNs	`440027800000010560020000` `008670`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,268 sqft Living Area
1st Floor Area	1,392 sqft
2nd Floor Area	876 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	87,120 sqft (2 acres)
Lot Width	487 ft Width
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	008670
Street Address	6103 CAVANAUGH RD, WS
City	MARCY
State	NY
Zip	13403-2502
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Block	1
Legal Lot Number	56.002
Jurisdiction	ONEIDA NY
Township / Civil Division	MARCY
Census Block Group	4
Census Block	4009
Census Tract	26200

Owner

Source: Oneida County and Marcy Town records, as of October 20, 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	6103 CAVANAUGH RD, WS, MARCY, NY 13403-2502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2023	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION
Sep 1, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ROCKET MORTGAGE
Nov 17, 2017	Warranty Deed, Transfer CNB MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2017 · Amount on Record
Deed Sale	Nov 17, 2017 · Amount on Record
Prior Sale	Aug 14, 2013 · Amount on Record
Deed Document Number	201717632
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	6103 CAVANAUGH RD # WS, WS, MARCY, NY 13403-2502
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004993
Date	Apr 25, 2023
Instrument	2023-004993

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	6103 CAVANAUGH RD # WS, WS, MARCY, NY 13403-2502
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014583
Date	Sep 1, 2021
Instrument	2021-014583

Lender

Name	ROCKET MORTGAGE

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Nov 17, 2017
Property Address	6103 CAVANAUGH RD # WS, WS, MARCY, NY 13403-2502
Document Number	0000017632
Instrument Date	Nov 17, 2017
Instrument	2017-017632
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	808 MADISON ST, EAST ROCHESTER, NY 14445-1544

Mortgage

Document Number	0000017633
Date	Nov 17, 2017
Instrument	2017-017633

Lender

Name	CNB MORTGAGE CO
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	350 Months
Due	Jan 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oneida County
County Subdivision	Marcy Town
Unified School District	Whitesboro Central School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,767.00 (+0.75%)
2025	$7,709.00 (+245.39%)	$169,000 (-) Land $25,000 Building $144,000	$367,391 (+17.39%) Land $54,348 Building $313,043
2023		$169,000 (-) Land $25,000 Building $144,000	$312,963 (+14.81%) Land $46,296 Building $266,667
2022	$2,232.00	$169,000 Land $25,000 Building $144,000	$272,581 Land $40,323 Building $232,258

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MVWA - MOHAWK VALLEY WATER AUTHORITY serves 126,250 people · EPA ID NY3202411
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	9 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2017
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 30 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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