1020 Middle Rd, Oswego, NY 13126 Property Records

Oswego County and Scriba Town property record for 1020 Middle Rd, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,704 sqft · built 1970
Lot Size	1.08 acres (47,250 sqft)
Owner	2 Individual Names on File
Last Sale	$17,000 (Jun 2012)
Tax Bill	$4,077 (2026)
Deeds & Mortgages	Mar 2020 Second Mortgage Mar 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355600 111.00-04-65`

Property Details

APN / Parcel Number

Primary APN	`355600 111.00-04-65`
Alternative APN	`560011100000040650000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,704 sqft Living Area
1st Floor Area	1,152 sqft
Basement Area	552 sqft
Finished Basement	552 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	47,250 sqft (1.08 acres)
Lot Dimensions	315 ft deep x 150 ft wide
Garage Type	Basement
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1020 MIDDLE RD
City	OSWEGO
State	NY
Zip	13126-6172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NONE
Legal Description	LOT 76 015-001-000
Legal Subdivision	SCRIBAS PATENT
Legal Block	4
Legal Lot Number	65.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SCRIBA
Census Block Group	1
Census Block	1030
Census Tract	21504

Owner

1020 Middle Rd is owned and occupied by two individuals who bought it in June 2012.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1020 MIDDLE RD, OSWEGO, NY 13126-6172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OSWEGO TEACHERS EMPLOYEES FCU
Mar 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OSWEGO TEACHERS EMPLOYEES FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2012 · Amount on File
Deed Sale	Jun 21, 2012 · Amount on File
Prior Sale	Oct 28, 2010 · Amount on File
Deed Document Number	20126190
Prior Transfer Date	Jul 22, 2010
Prior Transfer Doc	0000006556
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1020 MIDDLE RD, OSWEGO, NY 13126-6172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001984
Date	Mar 9, 2020
Instrument	R-2020-001984

Lender

Name	OSWEGO TEACHERS EMPLOYEES FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 10, 2035

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1020 MIDDLE RD, OSWEGO, NY 13126-6172
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001985
Date	Mar 9, 2020
Instrument	R-2020-001985

Lender

Name	OSWEGO TEACHERS EMPLOYEES FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Mar 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 1020 Middle Rd was $4,077 with a homeowner's exemption, up 26.6% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,077.00 (+26.58%) Homeowner's exemption
2025	$3,221.00	$100,500 Land $23,000 Building $77,500	$167,500 Land $38,333 Building $129,167
2023		$100,500 Land $23,000 Building $77,500	$147,794 Land $33,824 Building $113,970

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

Flood

FEMA maps place 1020 Middle Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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	8 in force
Nearby Flood Claims	2 (2017–2023)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2023 · rainfall accumulation

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 1020 Middle Rd 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	None beyond ember reach

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	SCRIBA WD (OSWEGO) serves 9,044 people · EPA ID NY3730037
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2025
Lead	2 ppb (2025–2027) 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Middle Rd

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