Oneida County and Vernon Town property record for 78 Seneca Ave, Oneida, NY 13421
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,168 sqft · built 1923 |
| Lot Size | 0.694 acres (30,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $365,000 (Aug 2026) |
| Tax Bill | $5,086 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 306001 321.016-2-15 |
| Primary APN | 306001 321.016-2-15 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,168 sqft Living Area |
| 1st Floor Area | 1,084 sqft |
| 2nd Floor Area | 1,084 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1923 |
|---|---|
| Effective Year Built | Effective 1923 |
| Architectural Style | Colonial |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,240 sqft (0.694 acres) |
| Lot Dimensions | 240 ft deep x 126 ft wide |
| Garage Type | Detached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 708 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Account Number | 019770 |
|---|---|
| Street Address | 78 SENECA AVE |
| City | ONEIDA |
| State | NY |
| Zip | 13421-2567 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 01 - NOT Z |
| Legal Description | HOUSE & 2 DET GARAGES |
| Legal Block | 2 |
| Legal Lot Number | 15.000 |
| Jurisdiction | ONEIDA NY |
| Township / Civil Division | VERNON |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 24900 |
78 Seneca Ave is owned and occupied by an individual who bought it in August 2026.
Source: Oneida County and Vernon Town records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 148 CAMP AVE, SYRACUSE, NY 13207-2206 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Individual(s) |
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 |
|---|---|
| Aug 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 9, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Sep 11, 2017 | Deed of Trust, Mortgage COMMUNITY BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 10, 2026 · Amount on File |
| Deed Sale | Aug 10, 2026 · Amount on File |
| Prior Sale | Feb 9, 2021 · Amount on File |
| Deed Document Number | 202610471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Aug 10, 2026 |
| Property Address | 78 SENECA AVE, ONEIDA, NY 13421-2567 |
| Document Number | 0000010471 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 202610471 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 148 CAMP AVE, SYRACUSE, NY 13207-2206 |
| Date | Aug 10, 2026 |
|---|
| Name | LOANDEPOT.COM LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ONEIDA NY |
| Recording Date | Feb 9, 2021 |
| Property Address | 78 SENECA AVE, ONEIDA, NY 13421-2567 |
| Document Number | 0000002367 |
| Instrument Date | Feb 5, 2021 |
| Instrument | 2021-002367 |
| Transaction Type | Transfer |
| Record Updated | Apr 29, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 6408 E HILL RD, MUNNSVILLE, NY 13409-2200 |
| Investor | Possibly a Property Investor |
| Document Number | 0000002368 |
|---|---|
| Date | Feb 9, 2021 |
| Instrument | 2021-002368 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ONEIDA NY |
| Property Address | 78 SENECA AVE, ONEIDA, NY 13421-2567 |
| Document Number | 0000013882 |
| Instrument Date | Sep 11, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 78 SENECA AVE ONEIDA NY 134212567, ONEIDA, NY 13421-2567 |
| Document Number | 0000013882 |
|---|---|
| Date | Sep 15, 2017 |
| Instrument | 13882 |
| Name | COMMUNITY BK |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Sep 14, 2047 |
The 2026 property tax bill for 78 Seneca Ave was $5,086 with exemptions applied, up 2.4% 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 |
| Municipality | Oneida Castle Village |
| Unified School District | Oneida City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,086.00 (+2.42%) Disabled Person's exemption Veteran's exemption | ||
| 2025 | $4,966.00 | $98,000 Land $6,200 Building $91,800 | $225,287 Land $14,253 Building $211,034 |
| 2023 | $98,000 (-) Land $6,200 Building $91,800 | $206,316 (+9.47%) Land $13,053 Building $193,263 | |
| 2022 | $676.00 Disabled Person's exemption Veteran's exemption | $98,000 Land $6,200 Building $91,800 | $188,462 Land $11,923 Building $176,539 |
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 maps place 78 Seneca Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 AE, within 100 ft |
| 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 78 Seneca Ave 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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 124 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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