118 E 3rd St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 118 E 3rd St, Oswego, NY 13126 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,772 sqft · built 1849
Lot Size	0.169 acres (7,400 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Nov 2025)
Tax Bill	$3,468 (2025)
Deeds & Mortgages	May 2024 Line of Credit Nov 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.56-06-09`

Property Details

APN / Parcel Number

Primary APN	`351200 128.56-06-09`
Alternative APNs	`120012805600060090000000` `0133`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	4,772 sqft Living Area
Gross Area	4,816 sqft
1st Floor Area	2,417 sqft
2nd Floor Area	2,355 sqft

Exterior

Year Built	Built 1849
Effective Year Built	Effective 1849
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	7,400 sqft (0.169 acres)
Lot Dimensions	100 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	612 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0133
Street Address	118 E 3RD ST
City	OSWEGO
State	NY
Zip	13126-2605
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	B 120, L 101,102 085-020-000
Legal Subdivision	FORMER VILLAGE OF EAST OSWEGO
Legal Block	6
Legal Lot Number	9.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2005
Census Tract	21604

Owner

Source: Oswego County and Oswego City records · APN 351200 128.56-06-09

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	24 JO LO SHRS, OSWEGO, NY 13126-5990
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Date	Document
May 20, 2024	Deed of Trust, Mortgage · Line of Credit OSWEGO COUNTY FCU
Nov 04, 2025	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU
Jan 29, 2019	Deed of Trust, Mortgage · Line of Credit OSWEGO COUNTY FCU
Sep 22, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 04, 2025 · Amount on Record
Deed Sale	Nov 04, 2025 · Amount on Record
Prior Sale	Sep 22, 2017 · Amount on Record
Deed Document Number	2025R2025009803
Prior Transfer Date	May 24, 2000
Prior Transfer Doc	1514000115
Record Updated	Jun 08, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	118 E 3RD ST, OSWEGO, NY 13126-2605
Transaction Type	Mortgage
Record Updated	Jan 08, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E 3RD ST, OSWEGO, NY 13126-2605

Mortgage

Document Number	0000004104
Date	May 20, 2024
Instrument	R-2024-004104

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 19, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 04, 2025
Property Address	118 E 3RD ST, OSWEGO, NY 13126-2605
Document Number	0000009803
Instrument Date	Nov 04, 2025
Instrument	R-2025-009803
Transaction Type	Transfer
Record Updated	Jan 08, 2026
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$836.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	23 5 2 1057 CV AMSTERDAM, NETHERLANDS XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24 JO LO SHRS, OSWEGO, NY 13126-5990

Mortgage

Document Number	0000009804
Date	Nov 04, 2025
Instrument	R-2025-009804

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 01, 2035

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	118 E 3RD ST, OSWEGO, NY 13126-2771
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 E 3RD ST, OSWEGO, NY 13126-2771

Mortgage

Document Number	0000000851
Date	Jan 29, 2019
Instrument	R-2019-000851

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 28, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 22, 2017
Property Address	118 E 3RD ST, OSWEGO, NY 13126-2771
Document Number	0000009324
Instrument Date	Sep 21, 2017
Instrument	9324
Transaction Type	Transfer
Record Updated	Oct 25, 2017

Transaction

Amount	Amount Recorded
Tax	$480.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7531 NE 18TH ST #52 VANCOUVER WA 986617374, 52, VANCOUVER, WA 98661-7374

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	$3,468.00 (-43.87%)	$185,000 (-) Land $20,400 Building $164,600	$185,000 (-) Land $20,400 Building $164,600
2024	$6,178.00	$185,000 (+54.17%) Land $20,400 Building $164,600	$185,000 (+27.96%) Land $20,400 Building $164,600
2023		$120,000 Land $13,400 Building $106,600	$144,578 Land $16,145 Building $128,433

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 386 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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