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15 Toad Harbor Rd, West Monroe, NY 13167 Property Records

Oswego County and West Monroe Town property record for 15 Toad Harbor Rd, West Monroe, NY 13167

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,458 sqft · built 2014
Lot Size11 acres (481,774 sqft)
Owner2 Owner Names on Record
Deeds & MortgagesOct 2019 Mortgage
Apr 2019 Line of Credit
Flood ZoneZone X (minimal risk)
APN356000 308.00-02-43

Property Details

APN / Parcel Number

Primary APN356000 308.00-02-43
Alternative APN
  • 600030800000020430000000

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories2 Stories
Building Area1,458 sqft Living Area
1st Floor Area1,170 sqft
Upper Floors Area288 sqft

Exterior

Year BuiltBuilt 2014
Architectural StyleCape Cod
Foundation TypeSlab (Mat/Raft)
Lot Area481,774 sqft (11 acres)
Garage TypeAttached
Garage Area990 sqft
Parking Spaces4 Parking Spaces
Shed1 Shed

Utilities, Heating & Cooling

Heating SystemForced Air
SewerMunicipal
Water SourceCommercial

Location & Zoning

Old Parcel Number600030800000020430000000
Street Address15 TOAD HARBOR RD
CityWEST MONROE
StateNY
Zip13167-3237
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRES
Legal DescriptionLOT 135 010-040-000
Legal SubdivisionTOWN/WEST MONROE
Legal Block2
Legal Lot Number43.000
JurisdictionOSWEGO NY
Township / Civil DivisionWEST MONROE
Census Block Group2
Census Block2003
Census Tract20704

Owner

Source: Oswego County and West Monroe Town records, as of February 23, 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Owner Names on Record
Mailing Address15 TOAD HARBOR RD, WEST MONROE, NY 13167-3237

Deeds, Mortgages & Sale History

DateDocument
Oct 21, 2019Deed of Trust, Mortgage · Conventional Mortgage
PATHFINDER BANK
Apr 3, 2019Deed of Trust, Mortgage · Line of Credit
COUNTRYSIDE FCU

Assessor's Deed Record

Deed Names2 Names on Deed
Last Transfer DateAug 7, 2012
Transfer Doc0000007886
Record UpdatedJun 7, 2026

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSWEGO NY
Property Address15 TOAD HARBOR RD, WEST MONROE, NY 13167-3237
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanyVANGUARD RESEARCH & TTL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000009415
DateOct 21, 2019
InstrumentR-2019-009415
Lender
NamePATHFINDER BANK
TypeBank
AddressOSWEGO, NY 13126
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 1, 2049

April 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSWEGO NY
Property Address15 TOAD HARBOR RD, WEST MONROE, NY 13167-3237
Document Number0000003011
Instrument DateApr 3, 2019
Transaction TypeMortgage
Record UpdatedMay 6, 2019
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address15 TOAD HARBOR RD WEST MONROE NY 131673237, WEST MONROE, NY 13167-3237

Mortgage

Document Number0000003011
DateApr 15, 2019
Instrument3011
Lender
NameCOUNTRYSIDE FCU
TypeCredit Union
AddressEAST SYRACUSE, NY 13057
Agreement
TypeLine of Credit
AmountAmount Recorded
Term60 Months
DueApr 14, 2024
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Oswego County and West Monroe Town assessment roll, as of May 31, 2023

Property Jurisdictions

TypeName
StateNew York
CountyOswego County
County SubdivisionWest Monroe Town
Unified School DistrictCentral Square Central School District (PK - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2023$189,000 Land $39,000 Building $150,000$189,000 Land $39,000 Building $150,000

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 26 policies
Nearby Flood Policies26 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · above 54% of New York
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 11 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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