114 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 114 E Cayuga St, Oswego, NY 13126 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,842 sqft · built 1910
Lot Size	0.098 acres (4,300 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Nov 2021)
Tax Bill	$2,418 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.41-06-05`

Property Details

APN / Parcel Number

Primary APN	`351200 128.41-06-05`
Alternative APNs	`120012804100060050000000` `4037`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,842 sqft Living Area
1st Floor Area	921 sqft
2nd Floor Area	921 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,300 sqft (0.098 acres)
Lot Dimensions	86 ft deep x 50 ft wide
Porch	Porch
Porch Area	85 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4037
Street Address	114 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	FOURTH WARD
Legal Block	6
Legal Lot Number	5.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4008
Census Tract	21605

Owner

Source: Oswego County and Oswego City records · APN 351200 128.41-06-05

Assessment roll updated April 30, 2026 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	114 E CAYUGA ST, OSWEGO, NY 13126-2213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 01, 2021	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Jun 29, 2020	Deed of Trust, Mortgage · Conventional with PMI PARAGON HM LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2021 · Amount on Record
Deed Sale	Nov 01, 2021 · Amount on Record
Deed Document Number	202112866
Record Updated	Jun 08, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 01, 2021
Property Address	114 E CAYUGA ST, OSWEGO, NY 13126-2213
Document Number	0000002866
Instrument Date	Oct 01, 2021
Instrument	R-2021-012866
Transaction Type	Transfer
Record Updated	Nov 22, 2021
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	114 E CAYUGA ST, 114, OSWEGO, NY 13126-2213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	137 W SCHUYLER ST, OSWEGO, NY 13126-1353

Mortgage

Document Number	0000002867
Date	Nov 01, 2021
Instrument	R-2021-012867

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	114 E CAYUGA ST, OSWEGO, NY 13126-2213
Document Number	0000005577
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 E CAYUGA ST OSWEGO NY 131262213, OSWEGO, NY 13126-2213

Mortgage

Document Number	0000005577
Date	Jul 10, 2020
Instrument	5577

Lender

Name	PARAGON HM LNS
Type	Funding / Finance Company
Address	LIVERPOOL, NY 13088

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 09, 2050

Tax Assessment & Valuation

Source: Oswego County and Oswego City records · Assessment roll updated April 30, 2026 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,418.00	$129,000 (+12.17%) Land $14,900 Building $114,100	$129,000 (-6.9%) Land $14,900 Building $114,100
2023		$115,000 Land $7,400 Building $107,600	$138,554 Land $8,916 Building $129,638

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), updated October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 644 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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