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Single Family ResidenceResidential
$103,803$56 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $100,000 on Mar 6, 2025

3781 PROSPECT ST

ONEIDA, NY 13421
2
Beds
1
Baths
1,848 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.18 ac
Lot SizeThe size of the land the home sits on, from county records.
1890
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$104K
$90K low$117K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$100,000 · Mar 6, 2025
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$8,803
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$7,042
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.91%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$95,000
M & T BANK · P · recorded Mar 6, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$674 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$58,000 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$2,300
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$55,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$58,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$122,881

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.17 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Traditional/Old
CountyOneida
Lot (acres)The size of the land the home sits on, from county records.0.18
HeatingThe type of heating system in the home.Forced Air
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 89 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Willard Prior Elementary School
Elementary · Grades PK–1 · 0.4 mi
H
Oneida High SchoolB
High · Grades 9–12 · 1.1 mi
M
Otto Shortell Middle SchoolD
Middle · Grades 6–8 · 3.5 mi

District: Oneida City School District

Neighborhood · ZIP 13421These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.104
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.41

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.15%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.13%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.12,109
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.296 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$61,547
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$81,288
Average tempThe average temperature here across a full year.46°F
Annual precipHow much rain and melted snow falls here in a typical year.43 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.46%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3781 Prospect St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 95% of homes in Oneida County
  • Costs less per square foot than 97% of homes in Oneida 13421
  • Has a smaller lot than 78% of homes in Oneida 13421
  • Older than 90% of homes in Oneida 13421

What homes are worth in Oneida 13421

Each bar is how many homes fall in that price range. The marker is this home.

This home
$70K$463K

This home is worth more than 9% of homes in Oneida 13421.

How it measures up in Oneida 13421

The dot is this home. The mark in the middle is the typical home in Oneida 13421.

Estimated value$103,803
CheaperTypical $191,033Pricier

Pricier than 9% of homes nearby

Price per ft²$56
CheaperTypical $131Pricier

Pricier than 3% of homes nearby

Living area1,848 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 63% of homes nearby

Lot size0.18 ac
SmallerTypical 0.34 acBigger

Bigger than 22% of homes nearby

Year built1890
OlderTypical 1930Newer

Newer than 10% of homes nearby

How 3781 Prospect St ranks against every home in each area.
MeasureThis homeOneida 13421Oneida County
Estimated valuepricier than$103,8039% of homes5% of homes
Price per ft²pricier than$563% of homes3% of homes
Living areabigger than1,848 ft²63% of homes64% of homes
Lot sizebigger than0.18 ac22% of homes25% of homes
Year builtnewer than189010% of homes11% of homes

About 3781 Prospect St

How much is 3781 Prospect St, Oneida, NY worth?

The TopHap Estimate for 3781 Prospect St, Oneida, NY is $103,803 as of Jul 14, 2026. The likely range is $90,481 to $117,125. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3781 Prospect St, Oneida, NY last sell?

3781 Prospect St, Oneida, NY last sold on Mar 6, 2025 for $100,000, according to the county's recorded deed.

How big is 3781 Prospect St, Oneida, NY?

3781 Prospect St, Oneida, NY has 2 bedrooms, 1 bathrooms, 1,848 square feet of living space and a 0.18-acre lot.

When was 3781 Prospect St, Oneida, NY built?

3781 Prospect St, Oneida, NY was built in 1890, making it 136 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 3781 Prospect St, Oneida, NY?

3781 Prospect St, Oneida, NY is assigned to Willard Prior Elementary School (elementary); Oneida High School (high), rated B; Otto Shortell Middle School (middle), rated D. All sit in Oneida City School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3781 Prospect St, Oneida, NY compare to other homes in Oneida 13421?

Among the 4,132 homes in Oneida 13421, it is worth more than 9% of them ($103,803 against a typical $191,033), its price per square foot is higher than 3% of them ($56 against a typical $131), it is bigger than 63% of them (1,848 ft² against a typical 1,624 ft²), its lot is bigger than 22% of them (0.18 ac against a typical 0.34 ac) and it is newer than 10% of them (1890 against a typical 1930). Measured against all of Oneida County, it is worth more than 5% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3781 Prospect St, Oneida, NY?

The 2024 property tax bill for 3781 Prospect St, Oneida, NY was $674. The county assessed it at $58,000.

Closest homes

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Assigned schools

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