164 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 164 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1950
Lot Size	0.206 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Sep 2020)
Tax Bill	$3,637 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.41-05-08`

Property Details

APN / Parcel Number

Primary APN	`351200 128.41-05-08`
Alternative APNs	`120012804100050080000000` `6653`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,428 sqft Living Area
1st Floor Area	1,428 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,000 sqft (0.206 acres)
Lot Dimensions	100 ft deep x 90 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	128 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	6653
Street Address	164 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2367
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Block	5
Legal Lot Number	8.000
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 · APN 351200 128.41-05-08

Assessment roll updated April 30, 2026 · Last verified May 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 File
Mailing Address	164 E CAYUGA ST, OSWEGO, NY 13126-2367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 01, 2020 · Amount on Record
Deed Sale	Sep 01, 2020 · Amount on Record
Deed Document Number	20207629
Record Updated	Jun 08, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 01, 2020
Property Address	164 E CAYUGA ST, OSWEGO, NY 13126-2367
Document Number	0000007629
Instrument Date	Mar 13, 2020
Instrument	R-2020-007629
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 E 1ST ST # ST502, 150, OSWEGO, NY 13126-2650

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 E 8TH ST, OSWEGO, NY 13126

Mortgage

Document Number	0000007630
Date	Sep 01, 2020
Instrument	R-2020-007630

Lender

Name	PARAGON HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jun 01, 2050

Tax Assessment & Valuation

Source: Oswego County and Oswego City records · Assessment roll updated April 30, 2026 · Last verified May 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,637.00	$194,000 (+117.98%) Land $20,100 Building $173,900	$194,000 (+80.92%) Land $20,100 Building $173,900
2023		$89,000 Land $10,700 Building $78,300	$107,229 Land $12,892 Building $94,337

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Oswego County (36075C), as of October 15, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 403 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NY3704361, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OSWEGO CITY serves 29,400 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.