1685 State Rte 264, Phoenix, NY 13135 Property Records

Oswego County and Palermo Town property record for 1685 State Rte 264, Phoenix, NY 13135

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,072 sqft · built 1994
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$7,906 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`354400 222.00-01-31.01`

Property Details

APN / Parcel Number

Primary APN	`354400 222.00-01-31.01`
Alternative APN	`440022200000010310100000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,072 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	840 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	217,800 sqft (5 acres)
Porch	Slab
Porch Area	352 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1685 STATE ROUTE 264
City	PHOENIX
State	NY
Zip	13135-2145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	01 - NOT Z
Legal Block	1
Legal Lot Number	31.010
Jurisdiction	OSWEGO NY
Township / Civil Division	PALERMO
Census Block Group	2
Census Block	2037
Census Tract	20800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 24, 2022	Deed of Trust, Mortgage · Line of Credit OSWEGO COUNTY FCU
Dec 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST HM MTG
Oct 8, 2019	Deed of Trust, Mortgage · Conventional with PMI PATHFINDER BK
Sep 10, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145
Transaction Type	Mortgage
Record Updated	Nov 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145

Mortgage

Document Number	0000001628
Date	Oct 24, 2022
Instrument	R-2022-011628

Lender

Name	OSWEGO COUNTY FCU
Type	Credit Union
Address	OSWEGO, NY 13126

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145
Document Number	0000012262
Instrument Date	Dec 7, 2020
Transaction Type	Mortgage
Record Updated	Jan 25, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1685 STATE ROUTE 264 PHOENIX NY 131352145, PHOENIX, NY 13135-2145

Mortgage

Document Number	0000012262
Date	Dec 11, 2020
Instrument	12262

Lender

Name	FIRST HM MTG
Type	Mortgage Company
Address	SEMINOLE, FL 33772

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 10, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSWEGO NY
Property Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145
Document Number	0000009124
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1681 STATE #264 PHOENIX NY 13135, 264, PHOENIX, NY 13135

Mortgage

Document Number	0000009124
Date	Oct 10, 2019
Instrument	9124

Lender

Name	PATHFINDER BK
Type	Bank
Address	PHOENIX, NY 13135

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 9, 2049

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 10, 2019
Property Address	1685 STATE ROUTE 264, PHOENIX, NY 13135-2145
Document Number	0000007917
Instrument Date	Sep 3, 2019
Instrument	7917
Transaction Type	Transfer
Record Updated	Nov 7, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	332 COUNTY ROUTE 3 FULTON NY 130694181, FULTON, NY 13069-4181

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,906.00 (+6.97%) Homeowner's exemption
2025	$7,391.00	$195,000 (-) Land $22,000 Building $173,000	$270,833 (+22.22%) Land $30,556 Building $240,277
2023		$195,000 Land $22,000 Building $173,000	$221,591 Land $25,000 Building $196,591

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 · 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 (2009)
Most Recent Claim	May 2009 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Windstream.

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