158 E 3rd St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 158 E 3rd St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,280 sqft · built 1826
Lot Size	0.094 acres (4,136 sqft)
Owner	2 Individual Names on Record
Deeds & Mortgages	Aug 2025 Mortgage Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.64-02-21`

Property Details

APN / Parcel Number

Primary APN	`351200 128.64-02-21`
Alternative APNs	`120012806400020210000000` `2307`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,280 sqft Living Area
1st Floor Area	1,260 sqft
2nd Floor Area	1,020 sqft

Exterior

Year Built	Built 1826
Effective Year Built	Effective 1826
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	4,136 sqft (0.094 acres)
Lot Dimensions	94 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	510 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2307
Street Address	158 E 3RD ST
City	OSWEGO
State	NY
Zip	13126-2609
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	EAST OSWEGO
Legal Block	2
Legal Lot Number	21.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2026
Census Tract	21604

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	2 Individual Names on Record
Mailing Address	158 E 3RD ST, OSWEGO, NY 13126-2609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2025	Intrafamily Transfer, Transfer · Commercial Mortgage VELOCITY COMMERCIAL CAPITAL LLC
Dec 20, 2022	Quit Claim Deed, Transfer CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC
Oct 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY BK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jul 23, 2025
Transfer Doc	0000006442
Record Updated	Jun 8, 2026

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSWEGO NY
Recording Date	Aug 4, 2025
Property Address	158 E 3RD ST, OSWEGO, NY 13126-2609
Document Number	0000006442
Instrument Date	Jul 23, 2025
Instrument	R-2025-006442
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	ARC ABSTRACT AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	158 E 3RD ST, OSWEGO, NY 13126-2609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 E 3RD ST, OSWEGO, NY 13126-2609

Mortgage

Document Number	0000006443
Date	Aug 4, 2025
Instrument	R-2025-006443

Lender

Name	VELOCITY COMMERCIAL CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 20, 2022
Property Address	158 E 3RD ST, OSWEGO, NY 13126-2609
Document Number	0000003749
Instrument Date	Sep 26, 2022
Instrument	R-2022-013749
Transaction Type	Transfer
Record Updated	Oct 13, 2025
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13 W ONEIDA ST, OSWEGO, NY 13126-2556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	60 VARICK ST, OSWEGO, NY 13126-3953

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	158 E 3RD ST, OSWEGO, NY 13126-2609
Document Number	0000010234
Instrument Date	Oct 5, 2018
Transaction Type	Mortgage
Record Updated	Nov 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	158 E 3RD ST OSWEGO NY 131262609, OSWEGO, NY 13126-2609

Mortgage

Document Number	0000010234
Date	Oct 17, 2018
Instrument	10234

Lender

Name	COMMUNITY BK NA
Address	CLEAN, NY 14760

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 16, 2023

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	Assessed Value	Assessed Market Value
2025	$114,000 (-) Land $17,800 Building $96,200	$114,000 (-) Land $17,800 Building $96,200
2024	$114,000 (+55.53%) Land $17,800 Building $96,200	$114,000 (+29.09%) Land $17,800 Building $96,200
2023	$73,300 Land $11,000 Building $62,300	$88,313 Land $13,253 Building $75,060

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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