Oswego County and Oswego City property record for 109 E Cayuga St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,580 sqft · built 1900 |
| Lot Size | 0.114 acres (5,000 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,483 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.41-07-34 |
| Primary APN | 351200 128.41-07-34 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,580 sqft Living Area |
| 1st Floor Area | 924 sqft |
| 2nd Floor Area | 656 sqft |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Architectural Style | Traditional |
| Exterior Material | Composition/Composite |
| Lot Area | 5,000 sqft (0.114 acres) |
| Lot Dimensions | 100 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 210 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 171 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3662 |
|---|---|
| Street Address | 109 E CAYUGA ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-2212 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN1 |
| Legal Block | 7 |
| Legal Lot Number | 34.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 21605 |
109 E Cayuga St is owned and occupied by two individuals.
Source: Oswego County and Oswego City records, as of September 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 E CAYUGA ST, OSWEGO, NY 13126-2212 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 E Cayuga St was $2,483 with a homeowner's exemption, down 1.2% from the year before.
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,483.00 (-1.15%) Homeowner's exemption | ||
| 2025 | $2,512.00 | $134,000 Land $15,400 Building $118,600 | $134,000 Land $15,400 Building $118,600 |
| 2023 | $65,000 Land $8,900 Building $56,100 | $78,313 Land $10,723 Building $67,590 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 E Cayuga St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 109 E Cayuga St is low, with less than 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 94% of the US · lower than 93% of New York |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OSWEGO CITY serves 29,400 people · EPA ID NY3704361 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2025–2027) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 644 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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