Oswego County and Oswego City property record for 186 E Seneca St, Oswego, NY 13126
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 2,128 sqft · built 1980 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Dec 2021) |
| Tax Bill | $5,522 (2026) |
| Deeds & Mortgages | Dec 2021 Sale & Mortgage Aug 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 351200 128.34-03-02 |
| Primary APN | 351200 128.34-03-02 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,128 sqft Living Area |
| 1st Floor Area | 2,128 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 99 ft deep x 110 ft wide |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 180 sqft |
| Shed | 1 Shed |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 7663 |
|---|---|
| Street Address | 186 E SENECA ST |
| City | OSWEGO |
| State | NY |
| Zip | 13126-1642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | TN2 |
| Legal Subdivision | CHRISTOPHER ROWE SUBDIVISION |
| Legal Block | 3 |
| Legal Lot Number | 2.000 |
| Jurisdiction | OSWEGO NY |
| Township / Civil Division | OSWEGO |
| Census Block Group | 1 |
| Census Block | 1021 |
| 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 Individual Names on Record |
|---|---|
| Mailing Address | 186 E SENECA ST, OSWEGO, NY 13126-1642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage PARAGON HOME LOANS INC |
| Aug 3, 2018 | Deed of Trust, Mortgage · Line of Credit NBT BANK NATIONAL ASSOCIATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 17, 2021 · Amount on Record |
| Deed Sale | Dec 17, 2021 · Amount on Record |
| Deed Document Number | 202115018 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSWEGO NY |
| Recording Date | Dec 17, 2021 |
| Property Address | 186 E SENECA ST, OSWEGO, NY 13126-1642 |
| Document Number | 0000005018 |
| Instrument Date | Nov 12, 2021 |
| Instrument | R-2021-015018 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2021 |
| Title Company | CAPITAL ABSTRACT COMPANY INC, CAPITAL ABSTRACT OF CNY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,240.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 186 E SENECA ST, 186, OSWEGO, NY 13126-1642 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 8489 GREEN LAKES RD, FAYETTEVILLE, NY 13066-9651 |
| Document Number | 0000005019 |
|---|---|
| Date | Dec 17, 2021 |
| Instrument | R-2021-015019 |
| Name | PARAGON HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSWEGO NY |
| Property Address | 186 E SENECA ST, OSWEGO, NY 13126-1642 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | INDEPENDENT TITLE AGENCY |
| Name | Verified Name |
|---|
| Document Number | 0000007358 |
|---|---|
| Date | Aug 3, 2018 |
| Instrument | R-2018-007358 |
| 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 | $5,522.00 (-1.16%) | ||
| 2025 | $5,587.00 | $298,000 (+65.56%) Land $21,000 Building $277,000 | $298,000 (+37.41%) Land $21,000 Building $277,000 |
| 2023 | $180,000 Land $11,600 Building $168,400 | $216,867 Land $13,976 Building $202,891 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 99.1% of the US · lower than 99.2% of New York |
|---|---|
| Wildfire Likelihood | Under 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 150 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 |
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