185 E 5th St, Oswego, NY 13126 Property Records

Oswego County and Oswego City property record for 185 E 5th St, Oswego, NY 13126

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 895 sqft · built 1835
Lot Size	0.083 acres (3,627 sqft)
Owner	Individual Name on Record
Last Sale	$55,000 (Jan 2018)
Tax Bill	$1,568 (2026)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`351200 128.65-01-16`

Property Details

APN / Parcel Number

Primary APN	`351200 128.65-01-16`
Alternative APNs	`120012806500010160000000` `3898`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	895 sqft Living Area
1st Floor Area	705 sqft
Upper Floors Area	195 sqft

Exterior

Year Built	Built 1835
Effective Year Built	Effective 1835
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Lot Area	3,627 sqft (0.083 acres)
Lot Dimensions	117 ft deep x 31 ft wide
Porch	Covered Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	3898
Street Address	185 E 5TH ST
City	OSWEGO
State	NY
Zip	13126-3208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TN1
Legal Subdivision	HAMILTONS GORE
Legal Block	1
Legal Lot Number	16.000
Jurisdiction	OSWEGO NY
Township / Civil Division	OSWEGO
Census Block Group	3
Census Block	3019
Census Tract	21604

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	Individual Name on Record
Mailing Address	185 E 5TH ST, OSWEGO, NY 13126-3208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2018 · Amount on Record
Deed Sale	Jan 18, 2018 · Amount on Record
Deed Document Number	2018597
Record Updated	Oct 29, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSWEGO NY
Recording Date	Jan 18, 2018
Property Address	185 E 5TH ST, OSWEGO, NY 13126-3208
Document Number	0000000597
Instrument Date	Jan 11, 2018
Instrument	597
Transaction Type	Transfer
Record Updated	Feb 15, 2018
Title Company	VANGUARD RESEARCH AND TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$220.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4518 COUNTY ROUTE 4 #B OSWEGO NY 131266696, B, OSWEGO, NY 13126-6696

Mortgage

Document Number	598
Date	Jan 18, 2018
Instrument	598

Lender

Name	PARAGON HM LNS
Type	Funding / Finance Company
Address	EAST SYRACUSE, NY 13057

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2048

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	$1,568.00 (-1.13%)
2025	$1,586.00	$84,600 (+53.82%) Land $17,300 Building $67,300	$84,600 (+27.67%) Land $17,300 Building $67,300
2023		$55,000 Land $10,400 Building $44,600	$66,265 Land $12,530 Building $53,735

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 (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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