146 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 146 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,240 sqft · built 1920
Lot Size	0.114 acres (5,000 sqft)
Owner	Individual Name on Record
Last Sale	$38,300 (Sep 2023)
Tax Bill	$1,575 (2026)
Deeds & Mortgages	Oct 2023 Mortgage Sep 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.41-05-01`

Property Details

APN / Parcel Number

Primary APN	`351200 128.41-05-01`
Alternative APNs	`120012804100050010000000` `5957`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,240 sqft Living Area
1st Floor Area	740 sqft
2nd Floor Area	500 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	5,000 sqft (0.114 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Porch
Porch Area	176 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5957
Street Address	146 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Block	5
Legal Lot Number	1.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4010
Census Tract	21605

Owner

Source: Oswego County and Oswego City records, as of September 23, 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 Record
Mailing Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2023	Deed of Trust, Mortgage · Stand-Alone First Mortgage EMPOWER FCU
Sep 8, 2023	Quit Claim Deed, Transfer
Oct 29, 2021	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Oct 29, 2021 · Amount on Record
Deed Document Number	20238001
Prior Transfer Date	Sep 1, 2023
Prior Transfer Doc	0000008001
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349

Mortgage

Document Number	0000009025
Date	Oct 5, 2023
Instrument	R-2023-009025

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2038

September 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 8, 2023
Property Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349
Document Number	0000008001
Instrument Date	Sep 1, 2023
Instrument	R-2023-008001
Transaction Type	Transfer
Record Updated	Oct 30, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Oct 29, 2021
Property Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349
Document Number	0000002804
Instrument Date	Oct 19, 2021
Instrument	R-2021-012804
Transaction Type	Transfer
Record Updated	Nov 17, 2021
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	122 W SENECA ST, 122, OSWEGO, NY 13126-1420

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E CAYUGA ST, OSWEGO, NY 13126-2349

Mortgage

Document Number	0000002805
Date	Oct 29, 2021
Instrument	R-2021-012805

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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	$1,575.00 (-1.13%)
2025	$1,593.00	$85,000 (+91.87%) Land $16,600 Building $68,400	$85,000 (+59.26%) Land $16,600 Building $68,400
2023		$44,300 (-) Land $8,900 Building $35,400	$53,373 (+10.84%) Land $10,723 Building $42,650
2022		$44,300 Land $8,900 Building $35,400	$48,152 Land $9,674 Building $38,478

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

Flood

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

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.

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 403 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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