176 E Cayuga St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 176 E Cayuga St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,680 sqft · built 1925
Lot Size	0.213 acres (9,306 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Sep 2023)
Tax Bill	$3,243 (2026)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Mar 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`351200 128.42-02-06`

Property Details

APN / Parcel Number

Primary APN	`351200 128.42-02-06`
Alternative APNs	`120012804200020060000000` `4888`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,680 sqft Living Area
1st Floor Area	1,180 sqft
Upper Floors Area	500 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Traditional
Exterior Material	Wood
Foundation Type	Raised
Lot Area	9,306 sqft (0.213 acres)
Lot Dimensions	198 ft deep x 47 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	428 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	4888
Street Address	176 E CAYUGA ST
City	OSWEGO
State	NY
Zip	13126-2350
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN2
Legal Subdivision	EAST OSWEGO
Legal Block	2
Legal Lot Number	6.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	1
Census Block	1020
Census Tract	21605

Owner

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 Individual Names on Record
Mailing Address	176 E CAYUGA ST, OSWEGO, NY 13126-2350
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage EMPOWER FCU
Mar 12, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Dec 7, 2005 · Amount on Record
Deed Document Number	20237912
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Sep 6, 2023
Property Address	176 E CAYUGA ST, OSWEGO, NY 13126-2350
Document Number	0000007912
Instrument Date	Aug 31, 2023
Instrument	R-2023-007912
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	CNY ABSTRACT AND TITLE SERVICES INC, CNY ABSTRACT & TTL SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 E CAYUGA ST, OSWEGO, NY 13126-2350

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	30 EISENHOWER AVE, OSWEGO, NY 13126-4048

Mortgage

Document Number	0000007913
Date	Sep 6, 2023
Instrument	R-2023-007913

Lender

Name	EMPOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2048

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSWEGO NY
Recording Date	Mar 12, 2018
Property Address	176 E CAYUGA ST, OSWEGO, NY 13126-2350
Document Number	0000002273
Instrument Date	Feb 28, 2018
Instrument	2273
Transaction Type	Transfer
Record Updated	Mar 27, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	176 E CAYUGA ST OSWEGO NY 131262350, OSWEGO, NY 13126-2350

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
2026	$3,243.00 (-1.16%)
2025	$3,281.00	$175,000 (+37.36%) Land $20,400 Building $154,600	$175,000 (+14.01%) Land $20,400 Building $154,600
2023		$127,400 (-) Land $7,400 Building $120,000	$153,494 (+10.84%) Land $8,916 Building $144,578
2022		$127,400 Land $7,400 Building $120,000	$138,478 Land $8,043 Building $130,435

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 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.

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 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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