123 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 123 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,204 sqft · built 1960
Lot Size	0.09 acres (3,920 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Oct 2023)
Tax Bill	$2,038 (2026)
Deeds & Mortgages	Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.41-07-21`

Property Details

APN / Parcel Number

Primary APN	`351200 128.41-07-21`
Alternative APNs	`120012804100070210000000` `3664C`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	3,920 sqft (0.09 acres)
Lot Dimensions	28 ft deep x 67.3 ft wide

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3664C
Street Address	123 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2256
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Subdivision	CITY OF OSWEGO
Legal Block	7
Legal Lot Number	21.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4004
Census Tract	21605

Owner

123 E Cayuga St is owned by two individuals who bought it in October 2023.

Source: Oswego County and Oswego City records, as of September 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	198 E ALBANY ST, OSWEGO, NY 13126-2916
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2023 · Amount on File
Deed Sale	Oct 26, 2023 · Amount on File
Prior Sale	Jan 11, 2019 · Amount on File
Deed Document Number	2023R-2023-009888
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 11, 2019
Property Address	123 E CAYUGA ST, OSWEGO, NY 13126-2256
Document Number	0000000340
Instrument Date	Dec 18, 2018
Instrument	R-2019-000340
Transaction Type	Transfer
Record Updated	Sep 20, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 E CAYUGA ST, 123, OSWEGO, NY 13126-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 563, LOGANDALE, NV 89021-0563

Mortgage

Document Number	0000000342
Date	Jan 11, 2019
Instrument	R-2019-000342

Lender

Name	FULTON SAVINGS BANK
Type	Bank

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 123 E Cayuga St was $2,038, down 1.2% from the year before.

Source: Oswego County and Oswego City assessment roll, as of April 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,038.00 (-1.16%)
2025	$2,062.00	$110,000 Land $14,600 Building $95,400	$110,000 Land $14,600 Building $95,400
2023		$84,500 Land $15,700 Building $68,800	$101,807 Land $18,916 Building $82,891

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

Flood

FEMA maps place 123 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

Wildfire risk around 123 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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