Oswego County and Oswego City property record for 174 E Cayuga St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,582 sqft · built 1860 |
| Lot Size | 0.172 acres (7,525 sqft) |
| Owner | 2 Company Names on Record |
| Tax Bill | $2,391 (2026) |
| Deeds & Mortgages | Oct 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.42-02-05 |
| Primary APN | 351200 128.42-02-05 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 854 sqft |
| 2nd Floor Area | 728 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,525 sqft (0.172 acres) |
| Lot Dimensions | 198 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 337 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 84 sqft |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 4848 |
|---|---|
| Street Address | 174 E CAYUGA ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-2350 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Block | 2 |
| Legal Lot Number | 5.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 21605 |
Source: Oswego County and Oswego City 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 Company Names on Record |
|---|---|
| Mailing Address | 174 E CAYUGA ST, OSWEGO, NY 13126-2350 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 174 E CAYUGA ST, OSWEGO, NY 13126-2350 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2021 |
| Title Company | INDEPENDENT TITLE AGENCY, INDEPENDENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 174 E CAYUGA ST, OSWEGO, NY 13126-2350 |
| Document Number | 0000002143 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | R-2021-012143 |
| Name | NBT BANK NATIONAL ASSOCIATION |
|---|---|
| Type | Bank |
| Address | NORWICH, NY 13815 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Oswego County and Oswego City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Oswego County |
| Municipality | Oswego City |
| Unified School District | Oswego City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,391.00 (-1.12%) Homeowner's exemption | ||
| 2025 | $2,418.00 | $129,000 (+41.76%) Land $22,600 Building $106,400 | $129,000 (+17.66%) Land $22,600 Building $106,400 |
| 2023 | $91,000 Land $15,900 Building $75,100 | $109,639 Land $19,157 Building $90,482 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Policies | 4 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 403 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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