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Single Family ResidenceResidential
$282,837$110 / 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 92How 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 $78,000 on Dec 23, 1996

3816 PROSPECT ST

ONEIDA, NY 13421
4
Beds
4 / 1
Baths
2,572 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.
0.86 ac
Lot SizeThe size of the land the home sits on, from county records.
1885
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

$283K
$260K low$305K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$78,000 · Dec 23, 1996
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.$117,837
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$94,270
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.62%
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.$165,000
ACCESS FEDERAL CREDIT UNION · recorded Apr 29, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,482 (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.$105,400 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$5,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$99,700
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$105,400
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$223,305

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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1970
Lot (acres)The size of the land the home sits on, from county records.0.86
HeatingThe type of heating system in the home.Forced Air
FireplaceWhether the home has a fireplace, and what kind.Yes
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 · 410 ft²

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 · 0.5 mi
H
Oneida High SchoolB
High · Grades 9–12 · 1.1 mi
M
Otto Shortell Middle SchoolD
Middle · Grades 6–8 · 3.6 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

3816 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 more than 79% of homes in Oneida 13421
  • Costs less per square foot than 80% of homes in Oneida County
  • Bigger than 89% of homes in Oneida 13421
  • Has a bigger lot than 72% of homes in Oneida 13421
  • Older than 92% 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 79% 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$282,837
CheaperTypical $191,033Pricier

Pricier than 79% of homes nearby

Price per ft²$110
CheaperTypical $131Pricier

Pricier than 34% of homes nearby

Living area2,572 ft²
SmallerTypical 1,624 ft²Bigger

Bigger than 89% of homes nearby

Lot size0.86 ac
SmallerTypical 0.34 acBigger

Bigger than 72% of homes nearby

Year built1885
OlderTypical 1930Newer

Newer than 8% of homes nearby

How 3816 Prospect St ranks against every home in each area.
MeasureThis homeOneida 13421Oneida County
Estimated valuepricier than$282,83779% of homes73% of homes
Price per ft²pricier than$11034% of homes20% of homes
Living areabigger than2,572 ft²89% of homes89% of homes
Lot sizebigger than0.86 ac72% of homes68% of homes
Year builtnewer than18858% of homes8% of homes

About 3816 Prospect St

How much is 3816 Prospect St, Oneida, NY worth?

The TopHap Estimate for 3816 Prospect St, Oneida, NY is $282,837 as of Jul 14, 2026. The likely range is $260,195 to $305,479. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3816 Prospect St, Oneida, NY last sell?

3816 Prospect St, Oneida, NY last sold on Dec 23, 1996 for $78,000, according to the county's recorded deed.

How big is 3816 Prospect St, Oneida, NY?

3816 Prospect St, Oneida, NY has 4 bedrooms, 4 bathrooms, 2,572 square feet of living space and a 0.86-acre lot.

When was 3816 Prospect St, Oneida, NY built?

3816 Prospect St, Oneida, NY was built in 1885, making it 141 years old. It is a traditional/old home. The building has 2 stories.

What schools serve 3816 Prospect St, Oneida, NY?

3816 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 3816 Prospect St, Oneida, NY compare to other homes in Oneida 13421?

Among the 4,132 homes in Oneida 13421, it is worth more than 79% of them ($282,837 against a typical $191,033), its price per square foot is higher than 34% of them ($110 against a typical $131), it is bigger than 89% of them (2,572 ft² against a typical 1,624 ft²), its lot is bigger than 72% of them (0.86 ac against a typical 0.34 ac) and it is newer than 8% of them (1885 against a typical 1930). Measured against all of Oneida County, it is worth more than 73% 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 3816 Prospect St, Oneida, NY?

The 2024 property tax bill for 3816 Prospect St, Oneida, NY was $5,482. The county assessed it at $105,400.

Closest homes

More homes in Oneida 13421

Assigned schools

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