175 E 4th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 175 E 4th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,722 sqft · built 1890
Lot Size	0.088 acres (3,861 sqft)
Owner	Individual on Record
Last Sale	$147,000 (Nov 2025)
Tax Bill	$2,155 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.64-04-41`

Property Details

APN / Parcel Number

Primary APN	`351200 128.64-04-41`
Alternative APNs	`120012806400040410000000` `3094`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,722 sqft Living Area
1st Floor Area	984 sqft
Upper Floors Area	738 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,861 sqft (0.088 acres)
Lot Dimensions	117 ft deep x 33 ft wide
Porch	Slab
Porch Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	3094
Street Address	175 E 4TH ST
City	OSWEGO
State	NY
Zip	13126-3114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Block	4
Legal Lot Number	41.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3020
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 on Record
Mailing Address	175 E 4TH ST, OSWEGO, NY 13126-3114
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Individual(s)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2025 · Amount on Record
Deed Sale	Nov 5, 2025 · Amount on Record
Deed Document Number	2025R2025009862
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Nov 5, 2025
Property Address	175 E 4TH ST, OSWEGO, NY 13126-3114
Document Number	0000009862
Instrument Date	Nov 5, 2025
Instrument	R-2025-009862
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$588.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 E 4TH ST, OSWEGO, NY 13126-3114

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 E 4TH ST, OSWEGO, NY 13126-3114

Mortgage

Document Number	0000009863
Date	Nov 5, 2025
Instrument	R-2025-009863

Lender

Name	PATHFINDER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

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	$2,155.00 (-37.81%)	$125,100 (-) Land $17,500 Building $107,600	$125,100 (-) Land $17,500 Building $107,600
2024	$3,465.00 Veteran's exemption	$125,100 (+83.97%) Land $17,500 Building $107,600	$125,100 (+52.7%) Land $17,500 Building $107,600
2023		$68,000 Land $10,800 Building $57,200	$81,928 Land $13,012 Building $68,916

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 (1984)
Most Recent Claim	Apr 1984 · tidal / storm surge

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	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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