165 E 7th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 165 E 7th St, Oswego, NY 13126 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,313 sqft · built 1912
Lot Size	0.075 acres (3,300 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Nov 2017)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.65-03-29`

Property Details

APN / Parcel Number

Primary APN	`351200 128.65-03-29`
Alternative APNs	`120012806500030290000000` `2955`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,313 sqft Living Area
1st Floor Area	1,158 sqft
2nd Floor Area	1,155 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Traditional
Exterior Material	Brick
Lot Area	3,300 sqft (0.075 acres)
Lot Dimensions	100 ft deep x 33 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2955
Street Address	165 E 7TH ST
City	OSWEGO
State	NY
Zip	13126-2745
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Block	3
Legal Lot Number	29.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	2
Census Block	2015
Census Tract	21604

Owner

Source: Oswego County and Oswego City records · APN 351200 128.65-03-29

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	165 E 7TH ST, OSWEGO, NY 13126-2745
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 14, 2017	Warranty Deed, Transfer · Conventional Mortgage PATHFINDER BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 14, 2017 · Amount on Record
Deed Sale	Nov 14, 2017 · Amount on Record
Prior Sale	Dec 09, 2005 · Amount on Record
Deed Document Number	201711308
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	165 E 7TH ST, OSWEGO, NY 13126-2745
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 E 7TH ST, OSWEGO, NY 13126-2745

Mortgage

Document Number	0000001391
Date	Dec 19, 2025
Instrument	R-2025-011391

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2041

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 14, 2017
Property Address	165 E 7TH ST, OSWEGO, NY 13126-2745
Document Number	0000001308
Instrument Date	Oct 30, 2017
Instrument	R-2017-011308
Transaction Type	Transfer
Record Updated	Apr 28, 2022
Title Company	CHICAGO TITLE INSURANCE CO A

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6205 LOCH RAVEN DR, 6205, MC LEAN, VA 22101-3134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5407, OSWEGO, NY 13126-5407

Mortgage

Document Number	0000001309
Date	Nov 14, 2017
Instrument	R-2017-011309

Lender

Name	PATHFINDER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

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	$2,756.00	$147,000 (+96%) Land $17,000 Building $130,000	$147,000 (+62.68%) Land $17,000 Building $130,000
2023		$75,000 Land $9,900 Building $65,100	$90,361 Land $11,928 Building $78,433

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 879 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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