160 E 12th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 160 E 12th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,074 sqft · built 1850
Lot Size	0.08 acres (3,500 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Dec 2023)
Tax Bill	$2,224 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.42-01-08`

Property Details

APN / Parcel Number

Primary APN	`351200 128.42-01-08`
Alternative APNs	`120012804200010080000000` `5910`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,074 sqft Living Area
1st Floor Area	684 sqft
Upper Floors Area	315 sqft

Exterior

Year Built	Built 1850
Effective Year Built	Effective 1850
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,500 sqft (0.08 acres)
Lot Dimensions	50 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	198 sqft
Patio Area	105 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	5910
Street Address	160 E 12TH ST
City	OSWEGO
State	NY
Zip	13126-2342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Block	1
Legal Lot Number	8.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	4
Census Block	4011
Census Tract	21605

Owner

Source: Oswego County and Oswego City records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	160 E 12TH ST, OSWEGO, NY 13126-2342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Deed of Trust, Mortgage HOUSING TRUST FUND CORPORATION
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage HOME HEADQUARTERS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 18, 2023 · Amount on File
Deed Sale	Dec 18, 2023 · Amount on File
Deed Document Number	2023R-2023-011643
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	160 E 12TH ST, OSWEGO, NY 13126-2342
Transaction Type	Mortgage
Record Updated	Feb 1, 2024
Title Company	CHICAGO TITLE INSURANCE COMPANY-NBU, CHICAGO TITLE INS CO BELLA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 E 12TH ST, OSWEGO, NY 13126-2342

Mortgage

Document Number	0000001646
Date	Dec 18, 2023
Instrument	R-2023-011646

Lender

Name	HOUSING TRUST FUND CORPORATION
Type	Non-Lending Institution
Address	ALBANY, NY 12207

Agreement

Amount	Amount on Record

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Dec 18, 2023
Property Address	160 E 12TH ST, OSWEGO, NY 13126-2342
Document Number	0000001643
Instrument Date	Dec 11, 2023
Instrument	R-2023-011643
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	CHICAGO TITLE INS CO BELLA

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	538 ERIE BLVD W, SYRACUSE, NY 13204-2405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 E 12TH ST, OSWEGO, NY 13126-2342

Mortgage

Document Number	0000001644
Date	Dec 18, 2023
Instrument	R-2023-011644

Lender

Name	HOME HEADQUARTERS INC
Type	Non-Lending Institution
Address	SYRACUSE, NY 13204

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jan 1, 2049

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	$2,224.00 (+6.06%)
2025	$2,097.00	$120,000 (+50.38%) Land $15,200 Building $104,800	$120,000 (+24.81%) Land $15,200 Building $104,800
2023		$79,800 (-) Land $9,200 Building $70,600	$96,145 (+10.84%) Land $11,084 Building $85,061
2022		$79,800 Land $9,200 Building $70,600	$86,739 Land $10,000 Building $76,739

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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