6281 Cavanaugh Rd, #WS, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 6281 Cavanaugh Rd, #WS, Marcy, NY 13403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,220 sqft · built 1960
Lot Size	0.459 acres (20,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Sep 2023)
Tax Bill	$5,046 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304400 278.000-1-74`

Property Details

APN / Parcel Number

Primary APN	`304400 278.000-1-74`
Alternative APNs	`440027800000010740000000` `009000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,220 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	260 sqft
Finished Basement	260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	520 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	009000
Street Address	6281 CAVANAUGH RD, WS
City	MARCY
State	NY
Zip	13403-2503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	74.000
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	6381 CAVANAUGH RD, WS, MARCY, NY 13403-2505
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage EMPOWER FEDERAL CREDIT UNION
Sep 14, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage HUNT MORTGAGE
Mar 17, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2023 · Amount on Record
Deed Sale	Sep 14, 2023 · Amount on Record
Deed Document Number	202311362
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Recording Date	Jun 18, 2026
Property Address	6281 CAVANAUGH RD, WS, MARCY, NY 13403-2503
Document Number	0000007985
Instrument Date	Jun 1, 2026
Instrument	20267985
Transaction Type	Mortgage
Record Updated	Jul 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6281 CAVANAUGH RD, WS, MARCY, NY 13403-2503

Mortgage

Document Number	0000007985,
Date	Jun 18, 2026
Instrument	20267985

Lender

Name	EMPOWER FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.64%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Sep 14, 2023
Property Address	6281 CAVANAUGH RD # WS, WS, MARCY, NY 13403-2503
Document Number	0000011362
Instrument Date	Sep 11, 2023
Instrument	2023-011362
Transaction Type	Transfer
Record Updated	Feb 27, 2024

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	9931 MORGAN RD, MARCY, NY 13403-2535

Mortgage

Document Number	0000011363
Date	Sep 14, 2023
Instrument	2023-011363

Lender

Name	HUNT MORTGAGE
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONEIDA NY
Recording Date	Mar 17, 2022
Property Address	6281 CAVANAUGH RD # WS, WS, MARCY, NY 13403-2503
Document Number	0000004295
Instrument Date	Feb 18, 2022
Instrument	2022-004295
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	6281 CAVANAUGH RD, MARCY, NY 13403-2503

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	$5,046.00 (+0.76%)
2025	$5,008.00 (+245.38%)	$109,800 (-) Land $15,000 Building $94,800	$238,696 (+17.39%) Land $32,609 Building $206,087
2023		$109,800 (-) Land $15,000 Building $94,800	$203,333 (+14.81%) Land $27,778 Building $175,555
2022	$1,450.00	$109,800 Land $15,000 Building $94,800	$177,097 Land $24,194 Building $152,903

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.

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	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 72 locations within half a mile, as of December 31, 2025

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

May also be available: Oneida County Rural Telephone.

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