1645 Co Rte 7, Oswego, NY 13126 Property Records

Oswego County and Oswego Town property record for 1645 Co Rte 7, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1968
Lot Size	3.16 acres (137,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,000 (Jun 2026)
Tax Bill	$2,756 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`354200 199.00-02-10`

Property Details

APN / Parcel Number

Primary APN	`354200 199.00-02-10`
Alternative APN	`420019900000020100000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	1,152 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1970
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	137,650 sqft (3.16 acres)
Garage Type	Detached
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1645 COUNTY ROUTE 7
City	OSWEGO
State	NY
Zip	13126-5642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Description	LOT 33 027-001-000
Legal Block	2
Legal Lot Number	10.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1044
Census Tract	21401

Owner

Source: Oswego County and Oswego Town 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	2 Individual Names on Record
Mailing Address	2121 STATE ROUTE 49, WEST MONROE, NY 13167-3290
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Deed Document Number	2026R-2026-005013
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jun 12, 2026
Property Address	1645 COUNTY ROUTE 7, OSWEGO, NY 13126-5642
Document Number	0000005013
Instrument Date	May 19, 2026
Instrument	20265013
Transaction Type	Transfer
Record Updated	Jul 31, 2026
Title Company	VANGUARD RESEARCH AND TITLE SERVICES, VANGUARD RESEARCH & TTL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$67,872.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2121 STATE ROUTE 49, WEST MONROE, NY 13167-3290
Investor	Possibly a Property Investor

Mortgage

Date	Jun 12, 2026

Lender

Name	EMPOWER FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

Source: Oswego County and Oswego Town assessment roll, as of April 30, 2026

Property Jurisdictions

Type	Name
State	New York
County	Oswego County
County Subdivision	Oswego Town
Unified School District	Oswego City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,756.00 Homeowner's exemption Senior Citizen's exemption Veteran's exemption
2025		$72,000 (-) Land $25,900 Building $46,100	$118,033 (+13.11%) Land $42,459 Building $75,574
2023		$72,000 Land $25,900 Building $46,100	$104,348 Land $37,536 Building $66,812

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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	1 (1996)
Most Recent Claim	Jan 1996 · river or lake flooding

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 80% of the US · above 54% of New York
Wildfire Likelihood	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	OCWA public/private · serves 350,000 people · EPA ID NY3304336
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	8 ppb (2026) 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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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