16 W 5th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 16 W 5th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,352 sqft · built 2016
Lot Size	0.044 acres (1,934 sqft)
Owner	2 Trust Names on Record
Tax Bill	$5,096 (2026)
Deeds & Mortgages	Jan 2024 Second Mortgage Oct 2022 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`351200 128.37-03-07`

Property Details

APN / Parcel Number

Primary APN	`351200 128.37-03-07`
Alternative APNs	`120012803700030070000000` `3292`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,352 sqft Living Area
1st Floor Area	1,176 sqft
2nd Floor Area	1,176 sqft
Upper Floors Area	80 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	1,934 sqft (0.044 acres)
Lot Dimensions	58.6 ft deep x 33 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	147 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3292
Street Address	16 W 5TH ST
City	OSWEGO
State	NY
Zip	13126-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Block	3
Legal Lot Number	7.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2004
Census Tract	21601

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	2 Trust Names on Record
Mailing Address	2637 LILAC AVE, NORTH CHARLESTON, SC 29405-6818
Owner Type	Individual
Vesting	Trust, Irrevocable Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OSWEGO COUNTY FCU
Oct 6, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage OSWEGO COUNTY FCU
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PATHFINDER BANK
Sep 29, 2017	Quit Claim Deed, Transfer Quitclaim
May 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage OSWEGO CNTY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 25, 2024
Transfer Doc	0000001502
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	16 W 5TH ST, OSWEGO, NY 13126-1023
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 W 5TH ST, OSWEGO, NY 13126-1023

Mortgage

Document Number	0000000281
Date	Jan 10, 2024
Instrument	R-2024-000281

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	46 Months
Due	Nov 10, 2027

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	16 W 5TH ST, OSWEGO, NY 13126-1023
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 W 5TH ST, OSWEGO, NY 13126-1023

Mortgage

Document Number	0000000876
Date	Oct 6, 2022
Instrument	R-2022-010876

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 10, 2027

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	16 W 5TH ST, OSWEGO, NY 13126-1023
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 W 5TH ST, OSWEGO, NY 13126-1023

Mortgage

Document Number	0000005724
Date	May 20, 2021
Instrument	R-2021-005724

Lender

Name	PATHFINDER BANK
Type	Bank
Address	OSWEGO, NY 13126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 29, 2017
Property Address	16 W 5TH ST, OSWEGO, NY 13126-1023
Document Number	0000009582
Instrument Date	Sep 29, 2017
Instrument	9582
Transaction Type	Transfer
Record Updated	Oct 25, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	16 W 5TH ST OSWEGO NY 131261023, OSWEGO, NY 13126-1023

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	16 W 5TH ST, OSWEGO, NY 13126-1023
Document Number	0000005160
Instrument Date	May 30, 2017
Transaction Type	Mortgage
Record Updated	Jul 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 W 5TH ST OSWEGO NY 131261023, OSWEGO, NY 13126-1023

Mortgage

Document Number	0000005160
Date	Jun 8, 2017
Instrument	5160

Lender

Name	OSWEGO CNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 7, 2027

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	$5,096.00 (-1.16%)
2025	$5,156.00	$275,000 (+32.21%) Land $14,900 Building $260,100	$275,000 (+9.74%) Land $14,900 Building $260,100
2023		$208,000 Land $12,300 Building $195,700	$250,602 Land $14,819 Building $235,783

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (1993)
Most Recent Claim	Apr 1993 · rainfall accumulation

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 Risk	Low lower than 98% of the US · lower than 97.9% of New York
Wildfire Likelihood	Under 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.

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 638 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

May also be available: T-Mobile, Verizon.

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