165 E 2nd St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 165 E 2nd St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,373 sqft · built 1840
Lot Size	0.075 acres (3,300 sqft)
Owner	Individual Name on File
Last Sale	$63,500 (Oct 2008)
Tax Bill	$2,812 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Jun 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`351200 128.64-02-42`

Property Details

APN / Parcel Number

Primary APN	`351200 128.64-02-42`
Alternative APNs	`120012806400020420000000` `0574AM`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,373 sqft Living Area
1st Floor Area	1,323 sqft
2nd Floor Area	704 sqft
Upper Floors Area	241 sqft

Exterior

Year Built	Built 1840
Effective Year Built	Effective 1840
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,300 sqft (0.075 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	0574AM
Street Address	165 E 2ND ST
City	OSWEGO
State	NY
Zip	13126-2631
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	SIXTH WARD
Legal Block	2
Legal Lot Number	42.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2021
Census Tract	21604

Owner

Source: Oswego County and Oswego City assessment roll, 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	Individual Name on File
Mailing Address	165 E 2ND ST, OSWEGO, NY 13126-2631
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2023	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit EMPOWER FCU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 20, 2008 · Amount on Record
Deed Sale	Oct 20, 2008 · Amount on Record
Deed Document Number	200812079
Last Transfer Date	Aug 6, 2010
Transfer Doc	0000008256
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	165 E 2ND ST, OSWEGO, NY 13126-2631
Transaction Type	Mortgage
Record Updated	May 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 E 2ND ST, OSWEGO, NY 13126-2631

Mortgage

Document Number	0000002300
Date	Mar 17, 2023
Instrument	R-2023-002300

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	165 E 2ND ST, OSWEGO, NY 13126-2631
Transaction Type	Mortgage
Record Updated	Aug 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 B 2ND ST, B, OSWEGO, NY 13126

Mortgage

Document Number	0000004798
Date	Jun 17, 2020
Instrument	R-2020-004798

Lender

Name	EMPOWER FCU
Type	Credit Union
Address	SYRACUSE, NY 13212

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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
2025	$2,812.00	$150,000 (+136.22%) Land $17,000 Building $133,000	$150,000 (+96.06%) Land $17,000 Building $133,000
2023		$63,500 Land $9,900 Building $53,600	$76,506 Land $11,928 Building $64,578

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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