Oswego County and Minetto Town property record for 13 Gray Rd, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 8 bd · 2.5 ba · 4,668 sqft · built 1870 |
| Lot Size | 5.98 acres (260,489 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Feb 2023) |
| Tax Bill | $9,124 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Feb 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 353600 165.08-01-01 |
| Primary APN | 353600 165.08-01-01 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,668 sqft Living Area |
| 1st Floor Area | 2,444 sqft |
| 2nd Floor Area | 2,224 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1930 |
| Architectural Style | Mansion |
| Exterior Material | Wood |
| Lot Area | 260,489 sqft (5.98 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 288 sqft |
| Patio Area | 672 sqft |
| Shed | 1 Shed |
| Canopy | 120 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 13 GRAY RD |
|---|---|
| City | OSWEGO |
| State | NY |
| Zip | 13126-5731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 02 - SINGL |
| Legal Description | LOT 15 048-003-000 |
| Legal Block | 1 |
| Legal Lot Number | 1.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | MINETTO |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 21402 |
Source: Oswego County and Minetto Town 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 150 W 96TH ST, 12H, NEW YORK, NY 10025-6485 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 11, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BANK NA |
| Feb 17, 2023 | Warranty Deed, Transfer |
| Feb 27, 2017 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2023 · Amount on Record |
| Deed Sale | Feb 17, 2023 · Amount on Record |
| Deed Document Number | 20231563 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 13 GRAY RD, OSWEGO, NY 13126-5731 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2023 |
| Title Company | PIERCE SETTLEMENT SERVICES LLC, TIER ONE SETTLEMENT AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 150 W 96TH ST 12H, 12H, NEW YORK, NY 10025-6485 |
| Document Number | 0000003894 |
|---|---|
| Date | May 11, 2023 |
| Instrument | R-2023-003894 |
| Name | COMMUNITY BANK NA |
|---|---|
| Type | Bank |
| Address | OLEAN, NY 14760 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Feb 17, 2023 |
| Property Address | 13 GRAY RD, OSWEGO, NY 13126-5731 |
| Document Number | 0000001563 |
| Instrument Date | Feb 2, 2023 |
| Instrument | R-2023-001563 |
| Transaction Type | Transfer |
| Record Updated | Mar 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3004 VERONA CT, BALDWINSVILLE, NY 13027-8983 |
| Name | Verified Name |
|---|---|
| Address | 150 W 96TH ST APT 12H, 12H, NEW YORK, NY 10025-6485 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 13 GRAY RD, OSWEGO, NY 13126-5731 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INDEPENDENT TITLE AGENCY SHA |
| Name | Verified Name |
|---|
| Document Number | 0000001858 |
|---|---|
| Date | Feb 27, 2017 |
| Instrument | R-2017-001858 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oswego County and Minetto Town assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| County Subdivision | Minetto Town |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,124.00 | $249,000 (-) Land $29,000 Building $220,000 | $383,077 (+2%) Land $44,615 Building $338,462 |
| 2023 | $249,000 Land $29,000 Building $220,000 | $319,231 Land $37,180 Building $282,051 |
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 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (2007) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Mar 2007 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 | Direct burnable vegetation |
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 | OCWA public/private · serves 350,000 people · EPA ID NY3304336 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 8 ppb (2026) 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 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
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