9678 Ray Rd, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 9678 Ray Rd, Marcy, NY 13403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,606 sqft · built 1974
Lot Size	1.28 acres (55,757 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Dec 2019)
Tax Bill	$7,276 (2025)
Deeds & Mortgages	Oct 2021 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`304400 278.000-2-1`

Property Details

APN / Parcel Number

Primary APN	`304400 278.000-2-1`
Alternative APNs	`440027800000020010000000` `008449`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,606 sqft Living Area
1st Floor Area	1,556 sqft
Upper Floors Area	1,050 sqft

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	55,757 sqft (1.28 acres)
Garage Type	Mixed
Garage Area	788 sqft
Parking Spaces	3 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	008449
Street Address	9678 RAY RD
City	MARCY
State	NY
Zip	13403-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	1.000
Jurisdiction	ONEIDA NY
Township / Civil Division	MARCY
Census Block Group	4
Census Block	4008
Census Tract	26200

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	9678 RAY RD, MARCY, NY 13403-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Line of Credit FIRST SOURCE FEDERAL CREDIT UNION
Dec 9, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOMESTEAD FUNDING CORP
Dec 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESTEAD FNDG

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Deed Document Number	201917178
Prior Transfer Date	Nov 4, 2008
Prior Transfer Doc	2008020445
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	9678 RAY RD, MARCY, NY 13403-2516
Transaction Type	Mortgage
Record Updated	Feb 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016641
Date	Oct 4, 2021
Instrument	2021-016641

Lender

Name	FIRST SOURCE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	9678 RAY RD, MARCY, NY 13403-2516
Transaction Type	Mortgage
Record Updated	Jun 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017179
Date	Dec 9, 2019
Instrument	2019-017179

Lender

Name	HOMESTEAD FUNDING CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	9678 RAY RD, MARCY, NY 13403-2516
Document Number	0000017179
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 SKYVIEW LN UTICA NY 135027930, UTICA, NY 13502-7930

Mortgage

Document Number	0000017179
Date	Dec 9, 2019
Instrument	17179

Lender

Name	HOMESTEAD FNDG
Type	Funding / Finance Company
Address	ALBANY, NY 12205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

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
2025	$7,276.00 (+245.33%)	$159,500 (-) Land $28,500 Building $131,000	$346,739 (+17.39%) Land $61,956 Building $284,783
2023		$159,500 (-) Land $28,500 Building $131,000	$295,370 (+14.81%) Land $52,778 Building $242,592
2022	$2,107.00	$159,500 Land $28,500 Building $131,000	$257,258 Land $45,968 Building $211,290

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
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 at the parcel

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: Northland Telephone Systems.

Cell Coverage

5G and 4G LTE (outdoors only)

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