11 E First St, Sandy Creek, NY 13145 Property Records

Oswego County and Sandy Creek Town property record for 11 E First St, Sandy Creek, NY 13145

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,788 sqft · built 1850
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$125,000 (Mar 2020)
Tax Bill	$2,411 (2026)
Deeds & Mortgages	May 2026 Second Mortgage Jun 2023 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355203 029.07-02-09`

Property Details

APN / Parcel Number

Primary APN	`355203 029.07-02-09`
Alternative APN	`520302900700020090000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,788 sqft Living Area
1st Floor Area	1,172 sqft
2nd Floor Area	616 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	220 ft deep x 71.3 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	248 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	11 E FIRST ST
City	SANDY CREEK
State	NY
Zip	13145-7701
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NOT-WF
Legal Description	LOT 49 073-013-000
Legal Block	2
Legal Lot Number	9.000
Jurisdiction	OSWEGO NY
Township / Civil Division	SANDY CREEK
Census Block Group	1
Census Block	1037
Census Tract	20202

Owner

Source: Oswego County and Sandy Creek 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	PO BOX 145, SANDY CREEK, NY 13145-0145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHERN FEDERAL CREDIT UNION
Jun 8, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHERN CU
Mar 25, 2020	Warranty Deed, Transfer · Conventional Mortgage NORTHERN CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 25, 2020 · Amount on File
Deed Sale	Mar 25, 2020 · Amount on File
Prior Sale	Apr 25, 2006 · Amount on File
Deed Document Number	20202462
Prior Transfer Date	Mar 2, 2020
Prior Transfer Doc	0000002462
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Recording Date	May 1, 2026
Property Address	11 E FIRST ST, SANDY CREEK, NY 13145-7701
Document Number	0000003639
Instrument Date	Apr 27, 2026
Instrument	20263639
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TIMES SQUARE ABSTRACT LLC, TIMES SQUARE ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 E FIRST ST, SANDY CREEK, NY 13145-7701

Mortgage

Document Number	0000003639,
Date	May 1, 2026
Instrument	20263639

Lender

Name	NORTHERN FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.75%
Max Rate	-1%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	11 E FIRST ST, SANDY CREEK, NY 13145-7701
Transaction Type	Mortgage
Record Updated	Jul 13, 2023
Title Company	NOT AVAILABLE, BROWNELL ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 E FIRST ST, SANDY CREEK, NY 13145-7701

Mortgage

Document Number	0000004761
Date	Jun 8, 2023
Instrument	R-2023-004761

Lender

Name	NORTHERN CU
Type	Credit Union
Address	WATERTOWN, NY 13601

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 5, 2033

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Mar 25, 2020
Property Address	11 E FIRST ST, SANDY CREEK, NY 13145-7701
Document Number	0000002462
Instrument Date	Mar 2, 2020
Instrument	2462
Transaction Type	Transfer
Record Updated	May 18, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 E FIRST ST SANDY CREEK NY 131457701, SANDY CREEK, NY 13145-7701

Mortgage

Document Number	2463
Date	Mar 25, 2020
Instrument	2463

Lender

Name	NORTHERN CU
Address	WATERTOWN, NY 13601

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

Mortgage

Document Number	2464,
Date	Mar 25, 2020
Instrument	2464

Lender

Name	NORTHERN CU
Address	WATERTOWN, NY 13601

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 24, 2035

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Sandy Creek Town
Municipality	Sandy Creek Village
Unified School District	Sandy Creek Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,411.00 (+21.46%) Homeowner's exemption Veteran's exemption
2025	$1,985.00	$90,200 (+10.27%) Land $7,400 Building $82,800	$143,175 (+13.77%) Land $11,746 Building $131,429
2023		$81,800 Land $6,700 Building $75,100	$125,846 Land $10,308 Building $115,538

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

Flood

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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