10 Edwards Cir, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 10 Edwards Cir, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,788 sqft · built 1979
Lot Size	1.94 acres (84,506 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Aug 2017)
Tax Bill	$10,624 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`354200 163.07-01-17`

Property Details

APN / Parcel Number

Primary APN	`354200 163.07-01-17`
Alternative APN	`420016300700010170000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,788 sqft Living Area
1st Floor Area	1,696 sqft
Upper Floors Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1985
Architectural Style	Cape Cod
Exterior Material	Wood
Lot Area	84,506 sqft (1.94 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	916 sqft
Patio Area	680 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	10 EDWARDS CIR
City	OSWEGO
State	NY
Zip	13126-6068
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 10 SL 1, SL 2, P/SL 3 127-008-005
Legal Subdivision	HALE HEIGHTS EXTENSION
Legal Block	1
Legal Lot Number	17.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2012
Census Tract	21401

Owner

10 Edwards Cir is owned and occupied by two individuals who bought it in August 2017.

Source: Oswego County and Oswego Town records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	10 EDWARDS CIR, OSWEGO, NY 13126-6068
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Sep 23, 2021	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Aug 21, 2017	Grant Deed, Transfer · Conventional with PMI ENERGY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2017 · Amount on File
Deed Sale	Aug 21, 2017 · Amount on File
Deed Document Number	20178003
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	10 EDWARDS CIR, OSWEGO, NY 13126-6068
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 EDWARDS CIR, OSWEGO, NY 13126-6068

Mortgage

Document Number	0000000841
Date	Jan 28, 2022
Instrument	R-2022-000841

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	10 EDWARDS CIR, OSWEGO, NY 13126-6068
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001111
Date	Sep 23, 2021
Instrument	R-2021-011111

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 21, 2017
Property Address	10 EDWARDS CIR, OSWEGO, NY 13126-6068
Document Number	0000008003
Instrument Date	Aug 18, 2017
Instrument	8003
Transaction Type	Transfer
Record Updated	Oct 26, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 EDWARDS CIR OSWEGO NY 131266068, OSWEGO, NY 13126-6068

Mortgage

Document Number	8004
Date	Aug 21, 2017
Instrument	8004

Lender

Name	ENERGY CU
Address	SYRACUSE, NY 13212

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 10 Edwards Cir was $10,624, up 10.8% from the year before.

Source: Oswego County and Oswego Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Oswego Town
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$10,624.00 (+10.76%)
2025	$9,592.00	$262,600 Land $24,700 Building $237,900	$430,492 Land $40,492 Building $390,000
2023		$262,600 Land $24,700 Building $237,900	$380,580 Land $35,797 Building $344,783

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 10 Edwards Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 15, 2024 · 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	4 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

Wildfire risk around 10 Edwards Cir is low, with a 0.01% annual chance of 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	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Edwards Cir

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