9725 Ray Rd, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 9725 Ray Rd, Marcy, NY 13403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,508 sqft · built 1986
Lot Size	0.964 acres (42,000 sqft)
Owner	Individual Name on Record
Last Sale	$362,560 (Aug 2022)
Tax Bill	$7,491 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`09100.2`

Property Details

APN / Parcel Number

Primary APN	`09100.2`
Alternative APNs	`440027800000010220050000` `304400 278.000-1-22.5`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,508 sqft Living Area
1st Floor Area	1,216 sqft
2nd Floor Area	1,292 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	42,000 sqft (0.964 acres)
Lot Dimensions	280 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Above-Ground Pool
Pool Area	525 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	09100.2
Street Address	9725 RAY RD
City	MARCY
State	NY
Zip	13403-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	1
Legal Lot Number	22.005
Jurisdiction	ONEIDA NY
Township / Civil Division	MARCY
Census Block Group	4
Census Block	4005
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	Individual Name on Record
Mailing Address	9725 RAY RD, MARCY, NY 13403-2513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Deed, Transfer · Stand-Alone First Mortgage AMERICU CU
Sep 24, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	202213362
Prior Transfer Date	Sep 23, 2021
Prior Transfer Doc	0000016213
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	ONEIDA NY
Recording Date	Aug 23, 2022
Property Address	9725 RAY RD, MARCY, NY 13403-2513
Document Number	0000013362
Instrument Date	Aug 22, 2022
Instrument	2022-013362
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
Address	7863 STATE ROUTE 5, CLINTON, NY 13323-1092

Mortgage

Document Number	0000013363
Date	Aug 23, 2022
Instrument	2022-013363

Lender

Name	AMERICU CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Sep 1, 2032
Max Rate At Change	2.75%
Index	1-Year CMT

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Sep 24, 2021
Property Address	9725 RAY RD, MARCY, NY 13403-2513
Document Number	0000016213
Instrument Date	Sep 23, 2021
Instrument	2021-016213
Transaction Type	Transfer
Record Updated	Feb 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	9725 RAY RD, MARCY, NY 13403-2513

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	$7,491.00 (+0.75%)
2025	$7,435.00 (+245.33%)	$163,000 (-) Land $27,000 Building $136,000	$354,348 (+17.39%) Land $58,696 Building $295,652
2023		$163,000 (-) Land $27,000 Building $136,000	$301,852 (+14.81%) Land $50,000 Building $251,852
2022	$2,153.00 Homeowner's exemption	$163,000 Land $27,000 Building $136,000	$262,903 Land $43,548 Building $219,355

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 57 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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