Oswego County and Oswego City property record for 120 E 1st St, Oswego, NY 13126
| Property Type | Professional Building (Legal, Insurance, Real Estate, Business) |
|---|---|
| Details | 26,970 sqft · built 1982 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | Company Name on Record |
| Last Sale | $3,200,000 (Aug 2024) |
| Tax Bill | $40,274 (2025) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage Dec 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.55-03-02.2 |
| Primary APN | 351200 128.55-03-02.2 |
|---|---|
| Alternative APN |
|
| Stories | 3 Stories |
|---|---|
| Building Area | 26,970 sqft Gross Area |
| Basement Area | 8,990 sqft |
| Finished Basement | 8,990 sqft |
| Fire Sprinklers | Fire Sprinklers |
| Elevator | Elevator |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1990 |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 103 ft deep x 170 ft wide |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 120 E 1ST ST |
|---|---|
| City | OSWEGO |
| State | NY |
| Zip | 13126-2111 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Professional Building (Legal, Insurance, Real Estate, Business) |
| Local Zoning Code | TB |
| Legal Description | B 99 001-008-000 |
| Legal Block | 3 |
| Legal Lot Number | 2.200 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 21605 |
Source: Oswego County and Oswego City records, as of April 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 205 INDIGO CREEK DR, ROCHESTER, NY 14626-5100 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Aug 1, 2024 | Bargain and Sale Deed, Transfer · ARM PATHFINDER BANK |
| Dec 20, 2018 | Grant Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2024 · Amount on Record |
| Deed Sale | Aug 1, 2024 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Aug 1, 2024 |
| Property Address | 120 E 1ST ST, OSWEGO, NY 13126-2111 |
| Document Number | 0000006389 |
| Instrument Date | Jul 17, 2024 |
| Instrument | R-2024-006389 |
| Transaction Type | Transfer |
| Record Updated | Apr 16, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 214 W 1ST ST, OSWEGO, NY 13126-2550 |
| Name | Verified Name |
|---|---|
| Address | 205 INDIGO CREEK DR, ROCHESTER, NY 14626-5100 |
| Document Number | 0000006392 |
|---|---|
| Date | Aug 1, 2024 |
| Instrument | R-2024-006392 |
| Name | PATHFINDER BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.5% |
| Change Frequency | 10 Years |
| Index | Other |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Dec 20, 2018 |
| Property Address | 120 E 1ST ST, OSWEGO, NY 13126-2105 |
| Document Number | 0000012461 |
| Instrument Date | Dec 12, 2018 |
| Instrument | 12461 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,400.00 |
| Amount Accuracy | Confirmed |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 214 W FRIST ST OSWEGO NY 13126, OSWEGO, NY 13126 |
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 |
|---|---|---|---|
| 2025 | $40,274.00 | $4,500,000 (+181.25%) Land $150,000 Building $4,350,000 | $4,500,000 (+133.44%) Land $150,000 Building $4,350,000 |
| 2023 | $1,600,000 Land $142,600 Building $1,457,400 | $1,927,711 Land $171,807 Building $1,755,904 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective October 15, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 386 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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