156 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 156 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,288 sqft · built 1900
Lot Size	0.229 acres (10,000 sqft)
Owner	Individual Name on Record
Last Sale	$106,500 (Sep 2018)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.41-05-05`

Property Details

APN / Parcel Number

Primary APN	`351200 128.41-05-05`
Alternative APNs	`120012804100050050000000` `3992`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,288 sqft Living Area
1st Floor Area	644 sqft
2nd Floor Area	644 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	10,000 sqft (0.229 acres)
Lot Dimensions	100 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Porch
Porch Area	236 sqft
Patio Area	564 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3992
Street Address	156 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Description	B 94 & 95, L 35 & 36 122-010-000
Legal Subdivision	SUBDIVISION #35&36 ORIGINAL VILLAGE
Legal Block	5
Legal Lot Number	5.000
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 April 30, 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	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2022	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Dec 29, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Mar 3, 2020	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Jun 20, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
Sep 4, 2018	Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2018 · Amount on Record
Deed Sale	Sep 4, 2018 · Amount on Record
Prior Sale	Oct 23, 2009 · Amount on Record
Deed Document Number	20188593
Record Updated	Jun 8, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367

Mortgage

Document Number	0000000681
Date	Oct 3, 2022
Instrument	R-2022-010681

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Transaction Type	Mortgage
Record Updated	Jan 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367

Mortgage

Document Number	0000005445
Date	Dec 29, 2021
Instrument	R-2021-015445

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Document Number	0000003620
Instrument Date	Mar 3, 2020
Transaction Type	Mortgage
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 E CAYUGA ST OSWEGO NY 131262367, OSWEGO, NY 13126-2367

Mortgage

Document Number	0000003620
Date	May 11, 2020
Instrument	3620

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Document Number	0000005495
Instrument Date	Jun 20, 2019
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	156 E CAYUGA ST OSWEGO NY 131262367, OSWEGO, NY 13126-2367

Mortgage

Document Number	0000005495
Date	Jul 3, 2019
Instrument	5495

Lender

Name	MR COOPER
Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 2, 2049

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 4, 2018
Property Address	156 E CAYUGA ST, OSWEGO, NY 13126-2367
Document Number	0000008593
Instrument Date	Aug 28, 2018
Instrument	8593
Transaction Type	Transfer
Record Updated	Sep 19, 2018

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$425.08
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 PARKHURST RD OSWEGO NY 131266216, OSWEGO, NY 13126-6216

Mortgage

Document Number	8594
Date	Sep 4, 2018
Instrument	8594

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 3, 2048

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
2025	$2,271.00	$149,000 (+41.9%) Land $20,600 Building $128,400	$149,000 (+17.78%) Land $20,600 Building $128,400
2023		$105,000 Land $11,200 Building $93,800	$126,506 Land $13,494 Building $113,012

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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