9760 Ray Rd, Marcy, NY 13403 Property Records

Oneida County and Marcy Town property record for 9760 Ray Rd, Marcy, NY 13403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,364 sqft · built 1982
Lot Size	8.34 acres (363,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,500 (Jan 2018)
Tax Bill	$4,887 (2026)
Deeds & Mortgages	Jan 2021 Transfer Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`304400 278.000-2-12.1`

Property Details

APN / Parcel Number

Primary APN	`304400 278.000-2-12.1`
Alternative APNs	`440027800000020120010000` `008450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,364 sqft Living Area
1st Floor Area	1,616 sqft
Upper Floors Area	748 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1982
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Lot Area	363,290 sqft (8.34 acres)
Lot Width	280 ft Width
Garage Type	Mixed
Garage Area	1,392 sqft
Parking Spaces	5 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	560 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	008450
Street Address	9760 RAY RD
City	MARCY
State	NY
Zip	13403-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	2
Legal Lot Number	12.001
Jurisdiction	ONEIDA NY
Township / Civil Division	MARCY
Census Block Group	4
Census Block	4006
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	9760 RAY RD, MARCY, NY 13403-2517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Oct 19, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Oct 19, 2020	Loan Modification, Mortgage NAVY FCU
Jan 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2018 · Amount on Record
Deed Sale	Jan 29, 2018 · Amount on Record
Prior Sale	Sep 22, 2003 · Amount on Record
Deed Document Number	20181415
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 11, 2021
Property Address	9760 RAY RD, MARCY, NY 13403-2517
Document Number	0000000447
Instrument Date	Jan 7, 2021
Instrument	447
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9760 RAY RD MARCY NY 134032517, MARCY, NY 13403-2517

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ONEIDA NY
Property Address	9760 RAY RD, MARCY, NY 13403-2517
Document Number	0000015809
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9760 RAY RD MARCY NY 134032517, MARCY, NY 13403-2517

Mortgage

Document Number	0000015809
Date	Nov 13, 2020
Instrument	15809

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA 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	9760 RAY RD, MARCY, NY 13403-2517
Document Number	0000015810
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9760 RAY RD MARCY NY 134032517, MARCY, NY 13403-2517

Mortgage

Document Number	0000015810
Date	Nov 13, 2020
Instrument	15810

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Interest

Rate Type	Fixed Rate
Rate	2.5%

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ONEIDA NY
Recording Date	Jan 29, 2018
Property Address	9760 RAY RD, MARCY, NY 13403-2517
Document Number	0000001415
Instrument Date	Jan 26, 2018
Instrument	2018-001415
Transaction Type	Transfer
Record Updated	Apr 29, 2022

Transaction

Amount	Amount Recorded
Tax	$1,062.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7555 E SOUTH ST, CLINTON, NY 13323-3721

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	$4,887.00 (+0.66%) Disabled Person's exemption Veteran's exemption
2025	$4,855.00 (+351.63%)	$115,000 (-) Land $48,500 Building $66,500	$250,000 (+17.39%) Land $105,435 Building $144,565
2023		$115,000 (-) Land $48,500 Building $66,500	$212,963 (+14.81%) Land $89,815 Building $123,148
2022	$1,075.00 Disabled Person's exemption Veteran's exemption	$115,000 Land $48,500 Building $66,500	$185,484 Land $78,226 Building $107,258

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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