1328 Co Rte 17, Bernhards Bay, NY 13028 Property Records

Oswego County and Constantia Town property record for 1328 Co Rte 17, Bernhards Bay, NY 13028

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 792 sqft · built 1930
Lot Size	0.172 acres (7,500 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Jan 2020)
Tax Bill	$1,633 (2026)
Deeds & Mortgages	Jan 2020 Sale Oct 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`352689 247.02-04-25`

Property Details

APN / Parcel Number

Primary APN	`352689 247.02-04-25`
Alternative APN	`268924700200040250000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	792 sqft Living Area
1st Floor Area	792 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	7,500 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Porch	Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1328 COUNTY ROUTE 17
City	BERNHARDS BAY
State	NY
Zip	13028-3144
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 59 154-007-000
Legal Subdivision	11TH TOWNSHIP OF SCRIBA S PATENT
Legal Block	4
Legal Lot Number	25.000
Jurisdiction	OSWEGO NY
Township / Civil Division	CONSTANTIA
Census Block Group	2
Census Block	2036
Census Tract	20600

Owner

1328 Co Rte 17 is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1328 COUNTY ROUTE 17, BERNHARDS BAY, NY 13028-3144
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 31, 2020	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO
Oct 26, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Aug 24, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2020 · Amount on File
Deed Sale	Jan 31, 2020 · Amount on File
Prior Sale	Jul 18, 2008 · Amount on File
Deed Document Number	2020935
Record Updated	Oct 29, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 31, 2020
Property Address	1328 COUNTY ROUTE 17, BERNHARDS BAY, NY 13028-3144
Document Number	0000000935
Instrument Date	Jan 30, 2020
Instrument	935
Transaction Type	Transfer
Record Updated	Mar 6, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$240.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4774 HAVERTON LN LIVERPOOL NY 130902531, LIVERPOOL, NY 13090-2531

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1328 COUNTY ROUTE 17, BERNHARDS BAY, NY 13028-3144
Document Number	0000000215
Instrument Date	Oct 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 12, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1328 COUNTY ROUTE 17 BERNHARDS BAY NY 130283144, BERNHARDS BAY, NY 13028-3144

Mortgage

Document Number	0000000215
Date	Jan 8, 2019
Instrument	215

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 7, 2049

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Aug 24, 2018
Property Address	1328 COUNTY ROUTE 17, BERNHARDS BAY, NY 13028-3144
Document Number	0000008292
Instrument Date	Aug 22, 2018
Instrument	8292
Transaction Type	Transfer
Record Updated	Sep 11, 2018

Transaction

Amount	Amount on Record
Tax	$180.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 280 PARISH NY 131310280, PARISH, NY 13131-0280

Tax Assessment & Valuation

The 2026 property tax bill for 1328 Co Rte 17 was $1,633, down 38.1% from the year before.

Source: Oswego County and Constantia Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Constantia Town
Unified School District	Central Square Central School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,633.00 (-38.05%)
2025	$2,636.00	$41,200 Land $10,000 Building $31,200	$74,909 Land $18,182 Building $56,727
2023		$41,200 Land $10,000 Building $31,200	$63,385 Land $15,385 Building $48,000

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

Flood

FEMA maps place 1328 Co Rte 17 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1993.

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
Flood Insurance Cost	Premium on File median of 19 policies
Nearby Flood Policies	19 in force
Nearby Flood Claims	1 (1993)
Most Recent Claim	Mar 1993 · 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.

Wildfire

Wildfire risk around 1328 Co Rte 17 is low, with 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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 74 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rte 17

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