9684 Ray Rd, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 9684 Ray Rd, Marcy, NY 13403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,178 sqft · built 2001
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Jan 2011)
Tax Bill	$10,083 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`304400 278.000-2-2.2`

Property Details

APN / Parcel Number

Primary APN	`304400 278.000-2-2.2`
Alternative APNs	`440027800000020020020000` `008448`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,178 sqft Living Area
1st Floor Area	1,089 sqft
2nd Floor Area	1,089 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Contemporary
Exterior Material	Aluminum/Vinyl
Lot Area	43,560 sqft (1 acres)
Lot Dimensions	321 ft deep x 133 ft wide
Garage Type	Mixed
Garage Area	1,038 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	441 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	008448
Street Address	9684 RAY RD
City	MARCY
State	NY
Zip	13403-2516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	2.002
Jurisdiction	ONEIDA NY
Township / Civil Division	MARCY
Census Block Group	4
Census Block	4008
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	9684 RAY RD, MARCY, NY 13403-2516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK
Oct 15, 2020	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2011 · Amount on Record
Deed Sale	Jan 11, 2011 · Amount on Record
Deed Book / Page	2011 / 516
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	9684 RAY RD, MARCY, NY 13403-2516
Document Number	0000015854
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9684 RAY RD MARCY NY 134032516, MARCY, NY 13403-2516

Mortgage

Document Number	0000015854
Date	Nov 13, 2020
Instrument	15854

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ONEIDA NY
Property Address	9684 RAY RD, MARCY, NY 13403-2516
Document Number	0000015855
Instrument Date	Oct 15, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9684 RAY RD MARCY NY 134032516, MARCY, NY 13403-2516

Mortgage

Document Number	0000015855
Date	Nov 13, 2020
Instrument	15855

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MARCY, NY 13403-2516

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Interest

Rate Type	Fixed Rate
Rate	3.25%

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	$10,083.00 (+0.75%)
2025	$10,008.00	$219,400 (-) Land $35,000 Building $184,400	$476,957 (+17.39%) Land $76,087 Building $400,870
2023		$219,400 Land $35,000 Building $184,400	$406,296 Land $64,815 Building $341,481

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

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.

Cell Coverage

5G and 4G LTE (outdoors only)

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